BlastPoint's Banking Scorecard
1st National Bank
Lebanon, OH
8 branches across OH
1st National Bank has 2 strengths but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest Income / Assets 0.05% above tier average
- + Delinquency Rate 0.37% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 35.9% in tier
- - Deposit Outflow: Bottom 49.6% in tier
- - Return on Assets 1.15% below tier average
- - Efficiency Ratio 30.87% above tier average
- - Net Interest Margin 0.83% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$253.4M
-8.3% YoY
-4.5% QoQ
|
-$132.7M |
$386.1M
+0.5% YoY
|
$35.8B
+10.6% YoY
|
$6.2B
+9.1% YoY
|
38% |
| Total Loans ? |
$174.0M
-13.2% YoY
-4.8% QoQ
|
-$81.7M |
$255.7M
+1.1% YoY
|
$15.7B
+12.8% YoY
|
$3.2B
+10.8% YoY
|
42% |
| Total Deposits ? |
$221.3M
-5.8% YoY
-4.8% QoQ
|
-$106.6M |
$328.0M
+0.1% YoY
|
$25.9B
+8.5% YoY
|
$4.8B
+8.2% YoY
|
39% |
| Return on Assets ? |
0.12%
-37.5% YoY
-82.3% QoQ
|
-1.15% |
1.27%
+12.9% YoY
|
1.12%
+9.9% YoY
|
1.23%
+13.4% YoY
|
Bottom 5.0% in tier |
| Net Interest Margin ? |
3.10%
+16.6% YoY
+4.3% QoQ
|
-0.83% |
3.93%
+6.0% YoY
|
3.58%
+7.5% YoY
|
3.89%
+5.7% YoY
|
Bottom 14.2% in tier |
| Efficiency Ratio ? |
96.16%
+1.4% YoY
+13.3% QoQ
|
+30.87% |
65.29%
-4.5% YoY
|
72.65%
-4.0% YoY
|
66.95%
-4.1% YoY
|
Bottom 3.4% in tier |
| Delinquency Rate ? |
0.52%
+53.7% YoY
-15.3% QoQ
|
-0.37% |
0.89%
+18.8% YoY
|
0.65%
+14.5% YoY
|
0.95%
+18.8% YoY
|
44% |
| Loan-to-Deposit Ratio ? |
78.60%
-7.8% YoY
+0.1% QoQ
|
+1.96% |
76.64%
+0.8% YoY
|
79.14%
+0.8% YoY
|
76.70%
+0.9% YoY
|
50% |
| Non-Interest-Bearing Deposit Share ? |
31.74%
+6.1% YoY
-1.4% QoQ
|
+9.72% |
22.02%
-1.0% YoY
|
18.08%
-0.4% YoY
|
22.01%
-1.2% YoY
|
Top 14.2% in tier |
| Nonperforming Asset Ratio ? |
0.36%
+45.7% YoY
-15.5% QoQ
|
-0.28% |
0.64%
+19.7% YoY
|
0.44%
+14.5% YoY
|
0.67%
+19.3% YoY
|
46% |
| Tier 1 Capital Ratio ? |
14.09%
+15.4% YoY
+2.1% QoQ
|
-1.74% |
15.83%
+1.5% YoY
|
19.44%
+3.1% YoY
|
17.06%
+0.8% YoY
|
58% |
| Non-Interest Income / Assets ? |
0.33%
-14.1% YoY
-82.4% QoQ
|
+0.05% |
0.28%
+9.3% YoY
|
0.57%
-2.4% YoY
|
0.32%
+4.1% YoY
|
Top 6.0% in tier |
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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 (0)
Concerns (2)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.