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The First National Bank of Sycamore

$100M-$1B Specialty: Commercial OH FDIC cert 6706

Sycamore, OH

4 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 +0.4% year over year ($207.4M on the books).
  • Delinquency rate 0.06%.
  • Return on assets 1.22%.
  • Efficiency ratio 56.93% vs a 64.48% peer average.
  • Loan-to-deposit ratio 73.05% 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 Sycamore has 2 strengths but faces 3 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

  • + Credit Quality Leader: Top 1.8% in tier
  • + Efficiency Ratio 7.55% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 11.0% in tier
  • - ROA 0.11% below tier average
  • - Net Interest Margin 0.32% below tier average
Get updates when The First National Bank of Sycamore releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Total Assets ? $239.4M
+2.5% YoY -0.0% QoQ
-$147.2M $386.6M
+1.2% YoY
$36.7B
+9.4% YoY
$6.3B
+7.7% YoY
34%
Total Loans ? $151.5M
+13.3% YoY +3.5% QoQ
-$106.9M $258.3M
+1.7% YoY
$16.2B
+12.1% YoY
$3.2B
+9.4% YoY
36%
Total Deposits ? $207.4M
+0.4% YoY -0.4% QoQ
-$119.4M $326.7M
+0.7% YoY
$26.4B
+7.6% YoY
$4.9B
+7.3% YoY
36%
Return on Assets ? 1.22%
+24.4% YoY +4.6% QoQ
-0.11% 1.32%
+10.8% YoY
1.21%
+9.4% YoY
1.30%
+12.1% YoY
48%
Net Interest Margin ? 3.66%
+9.6% YoY +1.1% QoQ
-0.32% 3.99%
+5.0% YoY
3.65%
+6.4% YoY
3.95%
+4.9% YoY
35%
Efficiency Ratio ? 56.93%
-9.1% YoY +1.1% QoQ
-7.55% 64.48%
-3.2% YoY
70.70%
-3.8% YoY
70.05%
+2.5% YoY
67%
Delinquency Rate ? 0.06%
+17.0% QoQ
-0.86% 0.92%
+15.7% YoY
0.68%
+23.3% YoY
0.98%
+16.3% YoY
78%
Loan-to-Deposit Ratio ? 73.05%
+12.9% YoY +3.9% QoQ
-4.90% 77.95%
+1.0% YoY
79.88%
+0.7% YoY
79.03%
+2.3% YoY
64%
Non-Interest-Bearing Deposit Share ? 15.11%
+14.5% YoY +10.7% QoQ
-6.92% 22.03%
-0.6% YoY
18.59%
+0.9% YoY
21.98%
-0.6% YoY
25%
Nonperforming Asset Ratio ? 0.04%
+21.1% QoQ
-0.63% 0.67%
+16.4% YoY
0.46%
+23.9% YoY
0.69%
+15.8% YoY
80%
Tier 1 Capital Ratio ? 15.54%
+1.6% YoY +1.2% QoQ
-0.37% 15.91%
+1.4% YoY
18.68%
-0.2% YoY
17.09%
+0.8% YoY
70%
Non-Interest Income / Assets ? 0.11%
+3.7% YoY +101.5% QoQ
-0.45% 0.57%
+7.6% YoY
1.22%
+2.7% YoY
0.66%
+5.2% YoY
23%

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 15.1%
+1.9pp YoY
+1.5pp QoQ
 -7.0pp 22.1% 18.8% 22.2% 24%
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 9.6%
+0.5pp YoY
-0.1pp QoQ
 -1.9pp 11.6% 10.2% 12.5% 50%
CRE 37.3%
+4.0pp YoY
-0.2pp QoQ
 -2.2pp 39.5% 34.2% 41.4% 48%
1-4 Family 41.6%
-3.2pp YoY
+0.2pp QoQ
 +9.0pp 32.6% 50.0% 31.3% 72%
Consumer 2.7%
-0.6pp YoY
-0.1pp QoQ
 -1.4pp 4.1% 4.7% 5.0% 56%

Capital

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
CET1 Ratio 15.5%
+0.2pp YoY
+0.2pp QoQ
 -3.3pp 18.8% 22.1% 19.7% 55%
Leverage Ratio 10.0%
+0.9pp YoY
+0.1pp QoQ
 -2.2pp 12.2% 12.9% 12.6% 30%
Total Capital Ratio 16.6%
+0.3pp YoY
+0.2pp QoQ
 -3.3pp 19.9% 23.2% 20.8% 54%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Full-Time Employees 30
0 YoY
0 QoQ
 -29 58 2,433 482 26%
Assets per Employee ($) $8.0M
+2.5% YoY
0.0% QoQ
 +$461K $7.5M $7.6M $8.8M 68%
Branch Count 4
0 YoY
0 QoQ
 -1 4 81 18 42%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Past Due 90+ Days 0.1%
0.0pp QoQ
 -0.3pp 0.3% 0.2% 0.4% 42%
Nonaccrual n/a n/a 0.9% 0.6% 1.0% n/a
Allowance Coverage 17.26x
-15.5% QoQ
 -6.89x 24.15x 18.95x 20.23x 87%
Net Charge-off Rate (YTD) n/a n/a 0.1% 0.1% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
ROE 14.2%
+0.2pp YoY
+0.4pp QoQ
 +2.0pp 12.2% 9.7% 11.6% 63%
Cost of Funds (YTD) 1.6%
-0.1pp YoY
0.0pp QoQ
 -0.2pp 1.7% 1.7% 1.7% 40%
Net Income ($, YTD) $1.4M
+27.5% YoY
— QoQ
 -$1.1M $2.6M $259.3M $40.4M 40%

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)

Credit Quality Leader

growth
#13 of 659 • Top 1.8% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.06%
(Tier: 0.92%, National: 0.98%)
better than tier avg
659 of 659 Community banks match · 920 nationally
→ Stable +1 banks QoQ | QoQ rank improving

Concerns (1)

Credit Quality Pressure

risk
#139 of 1256 • Bottom 11.0% in tier

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

Why this signature
Delinquency Rate: 0.06%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank declining

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)

518
Nonperforming Asset Ratio
credit_quality
Value: 0.04%
Peer Median: 0.67%
#518 of 2643 Top 19.6% in $100M-$1B
583
Delinquency Rate
credit_quality
Value: 0.06%
Peer Median: 0.92%
#583 of 2633 Top 22.1% in $100M-$1B

Top Weaknesses (2 metrics)

2033
Non-Interest Income / Assets
revenue_mix
Value: 0.11%
Peer Median: 0.57%
#2033 of 2643 Bottom 23.1% in $100M-$1B
1984
Non-Interest-Bearing Deposit Share
funding
Value: 15.11%
Peer Median: 22.03%
#1984 of 2643 Bottom 25.0% in $100M-$1B
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