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The First National Bank of McConnelsville

$100M-$1B Specialty: Other OH FDIC cert 6637

Mcconnelsville, OH

6 branches across OH

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 96 in OH.
  • Deposits -1.5% year over year ($176.9M on the books).
  • Delinquency rate 0.87%.
  • Return on assets 1.21%.
  • Efficiency ratio 65.15% vs a 64.48% peer average.
  • Loan-to-deposit ratio 63.36% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 96 in OH
View $100M-$1B leaderboard (OH) →

The First National Bank of McConnelsville has 1 strength but faces 5 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

  • + Net Interest Margin 0.22% above tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 10.2% in tier
  • - Credit Quality Pressure: Bottom 33.0% in tier
  • - Flatlined Growth: Bottom 42.3% in tier
  • - ROA 0.11% below tier average
  • - Efficiency Ratio 0.67% above tier average
Get updates when The First National Bank of McConnelsville releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Total Assets ? $200.2M
-0.5% YoY -1.5% QoQ
-$186.4M $386.6M
+1.2% YoY
$36.7B
+9.4% YoY
$6.3B
+7.7% YoY
27%
Total Loans ? $112.1M
+4.6% YoY +2.9% QoQ
-$146.3M $258.3M
+1.7% YoY
$16.2B
+12.1% YoY
$3.2B
+9.4% YoY
23%
Total Deposits ? $176.9M
-1.5% YoY -1.6% QoQ
-$149.9M $326.7M
+0.7% YoY
$26.4B
+7.6% YoY
$4.9B
+7.3% YoY
29%
Return on Assets ? 1.21%
+27.0% YoY +9.2% QoQ
-0.11% 1.32%
+10.8% YoY
1.21%
+9.4% YoY
1.30%
+12.1% YoY
48%
Net Interest Margin ? 4.21%
+12.1% YoY +4.0% QoQ
+0.22% 3.99%
+5.0% YoY
3.65%
+6.4% YoY
3.95%
+4.9% YoY
66%
Efficiency Ratio ? 65.15%
-6.0% YoY -2.9% QoQ
+0.67% 64.48%
-3.2% YoY
70.70%
-3.8% YoY
70.05%
+2.5% YoY
42%
Delinquency Rate ? 0.87%
+1.9% YoY +34.9% QoQ
-0.05% 0.92%
+15.7% YoY
0.68%
+23.3% YoY
0.98%
+16.3% YoY
32%
Loan-to-Deposit Ratio ? 63.36%
+6.2% YoY +4.5% QoQ
-14.59% 77.95%
+1.0% YoY
79.88%
+0.7% YoY
79.03%
+2.3% YoY
79%
Non-Interest-Bearing Deposit Share ? 27.07%
+3.5% YoY -0.2% QoQ
+5.04% 22.03%
-0.6% YoY
18.59%
+0.9% YoY
21.98%
-0.6% YoY
73%
Nonperforming Asset Ratio ? 0.49%
+7.0% YoY +40.8% QoQ
-0.18% 0.67%
+16.4% YoY
0.46%
+23.9% YoY
0.69%
+15.8% YoY
40%
Tier 1 Capital Ratio ? 19.99%
+8.6% YoY -0.6% QoQ
+4.08% 15.91%
+1.4% YoY
18.68%
-0.2% YoY
17.09%
+0.8% YoY
Top 13.8% in tier
Non-Interest Income / Assets ? 0.27%
+5.4% YoY +108.9% QoQ
-0.30% 0.57%
+7.6% YoY
1.22%
+2.7% YoY
0.66%
+5.2% YoY
67%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Noninterest-Bearing 27.1%
+0.9pp YoY
-0.1pp QoQ
 +4.9pp 22.1% 18.8% 22.2% 73%
Brokered Deposits n/a n/a 7.9% 7.7% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
C&I 4.6%
-1.3pp YoY
-0.4pp QoQ
 -6.9pp 11.6% 10.2% 12.5% 18%
CRE 17.3%
+0.1pp YoY
-0.3pp QoQ
 -22.2pp 39.5% 34.2% 41.4% 14%
1-4 Family 70.4%
+1.3pp YoY
-0.3pp QoQ
 +37.7pp 32.6% 50.0% 31.3% 94%
Consumer 4.8%
-1.1pp YoY
0.0pp QoQ
 +0.7pp 4.1% 4.7% 5.0% 76%

Capital

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
CET1 Ratio 20.0%
+1.6pp YoY
-0.1pp QoQ
 +1.2pp 18.8% 22.1% 19.7% 77%
Leverage Ratio 8.6%
+0.7pp YoY
+0.1pp QoQ
 -3.6pp 12.2% 12.9% 12.6% 7%
Total Capital Ratio 21.2%
+1.6pp YoY
-0.1pp QoQ
 +1.3pp 19.9% 23.2% 20.8% 78%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Full-Time Employees 51
0 YoY
+1 (+2.0%) QoQ
 -8 58 2,433 482 54%
Assets per Employee ($) $3.9M
-0.5% YoY
-3.4% QoQ
 -$3.6M $7.5M $7.6M $8.8M 4%
Branch Count 6
0 YoY
0 QoQ
 +1 4 81 18 66%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Past Due 90+ Days 0.3%
-0.3pp YoY
+0.1pp QoQ
 -0.1pp 0.3% 0.2% 0.4% 71%
Nonaccrual 0.6%
+0.3pp YoY
+0.1pp QoQ
 -0.3pp 0.9% 0.6% 1.0% 59%
Allowance Coverage 1.28x
-3.4% YoY
-27.0% QoQ
 -22.87x 24.15x 18.95x 20.23x 34%
Net Charge-off Rate (YTD) -0.0%
+0.1pp YoY
0.0pp QoQ
 -0.2pp 0.1% 0.1% 0.2% 21%

Profitability

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
ROE 11.1%
+1.6pp YoY
+0.9pp QoQ
 -1.1pp 12.2% 9.7% 11.6% 44%
Cost of Funds (YTD) 0.9%
-0.1pp YoY
0.0pp QoQ
 -0.8pp 1.7% 1.7% 1.7% 7%
Net Income ($, YTD) $1.2M
+30.1% YoY
— QoQ
 -$1.3M $2.6M $259.3M $40.4M 34%

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 (3)

Credit Risk Growth

risk
#96 of 936 • Bottom 10.2% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank improving

Credit Quality Pressure

risk
#415 of 1256 • Bottom 33.0% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.87%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank improving

Flatlined Growth

risk
#225 of 529 • Bottom 42.3% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 1.21%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 banks QoQ

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 2643 peers in $100M-$1B

Top Strengths (2 metrics)

367
Tier 1 Capital Ratio
capital
Value: 19.99%
Peer Median: 15.91%
#367 of 2643 Top 13.8% in $100M-$1B
561
Loan-to-Deposit Ratio
liquidity
Value: 63.36%
Peer Median: 77.95%
#561 of 2643 Top 21.2% in $100M-$1B

Top Weaknesses (1 metrics)

2045
Total Loans
size
Value: $112.06M
Peer Median: $258.35M
#2045 of 2643 Bottom 22.7% in $100M-$1B
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