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1st National Bank

$100M-$1B Specialty: Other OH FDIC cert 6646

Lebanon, OH

8 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 -4.9% year over year ($214.3M on the books).
  • Delinquency rate 0.75%.
  • Return on assets 0.57%.
  • Efficiency ratio 87.75% vs a 64.48% peer average.
  • Loan-to-deposit ratio 79.08% 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) →

1st National Bank has 2 strengths but faces 4 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

  • + Revenue Diversifier: Top 20.6% in tier
  • + Delinquency Rate 0.17% below tier average

Key Concerns

Areas that may need attention

  • - Deposit Outflow: Bottom 30.1% in tier
  • - Efficiency Drag: Bottom 40.7% in tier
  • - ROA 0.75% below tier average
  • - Net Interest Margin 0.69% below tier average
Get updates when 1st National Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Total Assets ? $247.2M
-7.4% YoY -2.5% QoQ
-$139.4M $386.6M
+1.2% YoY
$36.7B
+9.4% YoY
$6.3B
+7.7% YoY
36%
Total Loans ? $169.4M
-11.0% YoY -2.6% QoQ
-$88.9M $258.3M
+1.7% YoY
$16.2B
+12.1% YoY
$3.2B
+9.4% YoY
41%
Total Deposits ? $214.3M
-4.9% YoY -3.2% QoQ
-$112.5M $326.7M
+0.7% YoY
$26.4B
+7.6% YoY
$4.9B
+7.3% YoY
38%
Return on Assets ? 0.57%
-6.4% YoY +395.8% QoQ
-0.75% 1.32%
+10.8% YoY
1.21%
+9.4% YoY
1.30%
+12.1% YoY
Bottom 14.3% in tier
Net Interest Margin ? 3.30%
+15.5% YoY +6.3% QoQ
-0.69% 3.99%
+5.0% YoY
3.65%
+6.4% YoY
3.95%
+4.9% YoY
20%
Efficiency Ratio ? 87.75%
+2.6% YoY -8.7% QoQ
+23.27% 64.48%
-3.2% YoY
70.70%
-3.8% YoY
70.05%
+2.5% YoY
Bottom 7.5% in tier
Delinquency Rate ? 0.75%
+97.9% YoY +42.9% QoQ
-0.17% 0.92%
+15.7% YoY
0.68%
+23.3% YoY
0.98%
+16.3% YoY
36%
Loan-to-Deposit Ratio ? 79.08%
-6.4% YoY +0.6% QoQ
+1.12% 77.95%
+1.0% YoY
79.88%
+0.7% YoY
79.03%
+2.3% YoY
51%
Non-Interest-Bearing Deposit Share ? 30.54%
+1.3% YoY -3.8% QoQ
+8.51% 22.03%
-0.6% YoY
18.59%
+0.9% YoY
21.98%
-0.6% YoY
84%
Nonperforming Asset Ratio ? 0.51%
+90.0% YoY +42.7% QoQ
-0.16% 0.67%
+16.4% YoY
0.46%
+23.9% YoY
0.69%
+15.8% YoY
39%
Tier 1 Capital Ratio ? 14.71%
+13.8% YoY +4.4% QoQ
-1.20% 15.91%
+1.4% YoY
18.68%
-0.2% YoY
17.09%
+0.8% YoY
63%
Non-Interest Income / Assets ? 0.95%
+2.0% YoY +186.1% QoQ
+0.38% 0.57%
+7.6% YoY
1.22%
+2.7% YoY
0.66%
+5.2% YoY
Top 3.8% in tier

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 30.5%
+0.4pp YoY
-1.2pp QoQ
 +8.4pp 22.1% 18.8% 22.2% 83%
Brokered Deposits 2.3%
-2.1pp YoY
+0.1pp QoQ
 -5.5pp 7.9% 7.7% 8.5% 33%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
C&I 2.8%
-0.2pp YoY
-0.5pp QoQ
 -8.7pp 11.6% 10.2% 12.5% 9%
CRE 31.7%
-3.1pp YoY
+1.1pp QoQ
 -7.9pp 39.5% 34.2% 41.4% 38%
1-4 Family 65.6%
+3.9pp YoY
-0.5pp QoQ
 +33.0pp 32.6% 50.0% 31.3% 92%
Consumer 1.0%
-0.4pp YoY
-0.1pp QoQ
 -3.1pp 4.1% 4.7% 5.0% 28%

Capital

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
CET1 Ratio 14.7%
+1.8pp YoY
+0.6pp QoQ
 -4.1pp 18.8% 22.1% 19.7% 46%
Leverage Ratio 9.6%
+0.7pp YoY
+0.4pp QoQ
 -2.6pp 12.2% 12.9% 12.6% 23%
Total Capital Ratio 16.0%
+1.8pp YoY
+0.6pp QoQ
 -4.0pp 19.9% 23.2% 20.8% 48%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Full-Time Employees 60
+3 (+5.3%) YoY
+1 (+1.7%) QoQ
 +1 58 2,433 482 63%
Assets per Employee ($) $4.1M
-12.0% YoY
-4.1% QoQ
 -$3.4M $7.5M $7.6M $8.8M 5%
Branch Count 8
-1 (-11.1%) YoY
0 QoQ
 +3 4 81 18 82%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Past Due 90+ Days 0.5%
+0.2pp QoQ
 +0.2pp 0.3% 0.2% 0.4% 83%
Nonaccrual 0.3%
-0.1pp YoY
0.0pp QoQ
 -0.7pp 0.9% 0.6% 1.0% 35%
Allowance Coverage 1.64x
-44.3% YoY
-29.6% QoQ
 -22.52x 24.15x 18.95x 20.23x 42%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 66%

Profitability

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
ROE 6.5%
-1.6pp YoY
+5.1pp QoQ
 -5.7pp 12.2% 9.7% 11.6% 18%
Cost of Funds (YTD) 2.0%
-0.3pp YoY
0.0pp QoQ
 +0.3pp 1.7% 1.7% 1.7% 71%
Net Income ($, YTD) $732,000
-13.1% YoY
— QoQ
 -$1.8M $2.6M $259.3M $40.4M 17%

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 (1)

Revenue Diversifier

growth
#137 of 661 • Top 20.6% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 0.95%
(Tier: 0.57%, National: 0.66%)
better than tier avg
Return on Assets: 0.57%
(Tier: 1.32%, National: 1.30%)
but worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Concerns (2)

Deposit Outflow

decline
#162 of 535 • Bottom 30.1% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally
→ Stable +31 banks QoQ | QoQ rank improving

Efficiency Drag

risk
#148 of 361 • Bottom 40.7% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature
Efficiency Ratio: 87.75%
(Tier: 64.48%, National: 70.05%)
worse than tier avg
361 of 361 Community banks match · 426 nationally
↓ Shrinking -64 banks QoQ | QoQ rank improving

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)

101
Non-Interest Income / Assets
revenue_mix
Value: 0.95%
Peer Median: 0.57%
#101 of 2643 Top 3.8% in $100M-$1B
437
Non-Interest-Bearing Deposit Share
funding
Value: 30.54%
Peer Median: 22.03%
#437 of 2643 Top 16.5% in $100M-$1B

Top Weaknesses (3 metrics)

2447
Efficiency Ratio
profitability
Value: 87.75%
Peer Median: 64.48%
#2447 of 2643 Bottom 7.5% in $100M-$1B
2266
Return on Assets
profitability
Value: 0.57%
Peer Median: 1.32%
#2266 of 2643 Bottom 14.3% in $100M-$1B
2128
Net Interest Margin
profitability
Value: 3.30%
Peer Median: 3.99%
#2128 of 2643 Bottom 19.5% in $100M-$1B
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