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The First Central National Bank of St. Paris

under $100M Specialty: Agricultural OH FDIC cert 15214

Designations: ✓ Community bank

St. Paris, OH

4 branches across OH

537 banks in the under $100M peer group nationally 22 in OH
View under $100M leaderboard (OH) →

The First Central National Bank of St. Paris has 2 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Efficiency Ratio 9.78% below tier average
  • + Delinquency Rate 1.34% below tier average

Key Concerns

Areas that may need attention

  • - ROA 0.16% below tier average
  • - Net Interest Margin 0.15% below tier average
Get updates when The First Central National Bank of St. Paris releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Total Assets ? $99.0M
+3.7% YoY +0.8% QoQ
+$36.7M $62.3M
-0.5% YoY
$36.0B
+10.6% YoY
$6.2B
+9.0% YoY
Top 0.9% in tier
Total Loans ? $57.6M
+3.1% YoY +0.1% QoQ
+$23.3M $34.3M
-1.5% YoY
$15.8B
+12.8% YoY
$3.2B
+10.7% YoY
Top 14.0% in tier
Total Deposits ? $79.0M
+4.9% YoY +1.3% QoQ
+$27.2M $51.8M
-0.6% YoY
$26.1B
+8.5% YoY
$4.8B
+8.0% YoY
Top 11.5% in tier
Return on Assets ? 0.70%
-5.4% YoY -17.6% QoQ
-0.16% 0.86%
-3.6% YoY
1.13%
+9.6% YoY
1.24%
+13.1% YoY
38%
Net Interest Margin ? 3.72%
-0.6% YoY -3.7% QoQ
-0.15% 3.87%
+2.7% YoY
3.59%
+7.5% YoY
3.89%
+5.7% YoY
45%
Efficiency Ratio ? 77.85%
+1.4% YoY +5.2% QoQ
-9.78% 87.63%
+2.3% YoY
72.32%
-4.0% YoY
66.84%
-3.8% YoY
38%
Delinquency Rate ? 0.02%
-85.6% YoY -89.3% QoQ
-1.34% 1.36%
+33.7% YoY
0.66%
+14.5% YoY
0.95%
+18.8% YoY
71%
Loan-to-Deposit Ratio ? 72.86%
-1.8% YoY -1.1% QoQ
+8.75% 64.11%
-0.9% YoY
79.14%
+0.8% YoY
76.69%
+0.9% YoY
39%
Non-Interest-Bearing Deposit Share ? 14.64%
-6.8% YoY -3.2% QoQ
-9.15% 23.79%
+0.5% YoY
18.19%
-0.4% YoY
22.01%
-1.1% YoY
23%
Nonperforming Asset Ratio ? 0.01%
-85.7% YoY -89.4% QoQ
-0.76% 0.77%
+28.7% YoY
0.44%
+14.5% YoY
0.66%
+19.3% YoY
69%
Tier 1 Capital Ratio ? 28.62%
-6.8% YoY -2.3% QoQ
+1.84% 26.77%
+2.0% YoY
19.42%
+3.1% YoY
17.06%
+0.8% YoY
83%
Non-Interest Income / Assets ? 0.11%
+9.0% YoY -72.3% QoQ
-0.57% 0.67%
+1.6% YoY
0.57%
-2.5% YoY
0.32%
+4.0% YoY
74%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 537 peers in under $100M

Top Strengths (4 metrics)

6
Total Assets
size
Value: $98.99M
Peer Median: $62.28M
#6 of 537 Top 0.9% in under $100M
63
Total Deposits
size
Value: $79.02M
Peer Median: $51.83M
#63 of 537 Top 11.5% in under $100M
76
Total Loans
size
Value: $57.57M
Peer Median: $34.29M
#76 of 537 Top 14.0% in under $100M
90
Tier 1 Capital Ratio
capital
Value: 28.62%
Peer Median: 26.77%
#90 of 537 Top 16.6% in under $100M

Top Weaknesses (1 metrics)

414
Non-Interest-Bearing Deposit Share
funding
Value: 14.64%
Peer Median: 23.79%
#414 of 537 Bottom 23.1% in under $100M
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