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First National Bank of Blanchester, The

Blanchester, OH · Cert 6530 · First Blanchester Bancshares

National charter · OCC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in OH3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in OH (n=68 to 71). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

71

Q2 2024Q2 2026peer median (50)

Asset Quality

38

Q2 2024Q2 2026peer median (50)

Profitability

66

Q2 2024Q2 2026peer median (50)

Liquidity

75

Q2 2024Q2 2026peer median

Efficiency

58

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

First National Bank of Blanchester, The

Blanchester, OH · Cert 6530 · First Blanchester Bancshares

National charter · OCC · 1 branch

Q2 2026

$77.7MAssets
$49.5MLoans
$68.9MDeposits
$8.3MEquity
Loan mix
92%RE $45.6M3%C&I $1.3M5%Consumer $2.5MQ2 2025Q2 2026
Deposit mix
94%Interest-bearing $64.5M6%Noninterest $4.4MQ2 2025Q2 2026

NIM

3.80%Q2 ’244.15%Q2 ’254.59%Q2 ’26+16%+14%

Non-interest income vs. expense

2.81%Q2 ’242.80%Q2 ’252.92%Q2 ’26+1%+4%

Executive Summary

  • Earnings: ROA of 1.23%, up 28 bps year over year; NIM at 3.88%.
  • Asset quality: problem loans at 0.15% of loans (+12 bps YoY), with net charge-offs at 0.13%.
  • Capital: tier 1 leverage ratio of 10.62%, up 33 bps from a year ago.
  • Funding: loans stand at 71.84% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.23%+28 bps YoY

Net Interest Margin (YTD, annualized)

3.88%+46 bps YoY

Efficiency Ratio (YTD, annualized)

65.71%-498 bps YoY

Tier 1 Leverage Ratio

10.62%+33 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.95%1.05%1.13%1.12%1.23%+28 bps
Return on Equity9.17%10.22%10.99%10.74%11.68%+251 bps
Net Interest Margin3.42%3.51%3.64%3.85%3.88%+46 bps
Efficiency Ratio70.69%68.36%66.83%68.76%65.71%-498 bps
Non-Interest Burden2.26%2.23%2.25%2.47%2.36%+10 bps
Growth
Asset Growth (YoY)1.91%6.29%3.77%-2.55%-0.47%-238 bps
Loan Growth (YoY)0.79%5.42%7.52%6.22%6.19%+541 bps
Deposit Growth (YoY)1.72%7.08%4.08%-3.12%-0.88%-260 bps
Asset Quality
Nonperforming Loans / Loans0.03%0.03%0.04%0.19%0.15%+12 bps
Net Charge-Offs / Loans0.05%0.03%0.03%0.07%0.13%+8 bps
Allowance / Loans0.66%0.63%0.62%0.61%0.58%-9 bps
Allowance Coverage of NPLs19.3x19.3x14.6x3.2x3.8x-15.4x
Capital
Tier 1 Leverage Ratio10.28%10.08%10.20%10.63%10.62%+33 bps
Total Risk-Based Capital23.52%22.04%22.04%22.91%22.84%-68 bps
Equity / Assets10.44%9.88%10.27%10.66%10.74%+30 bps
Liquidity & Funding
Loans / Deposits67.06%66.62%70.83%71.41%71.84%+478 bps
Liquid Assets / Assets31.28%29.85%30.20%28.13%27.52%-376 bps
CRE / Total Capitaln/a83.52%84.73%73.12%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

First National Bank of Blanchester, The

Blanchester, OH · Cert 6530 · Peer group: banks under $1B in assets in OH (n=68-71) · First Blanchester Bancshares

National charter · OCC · 1 branch

Q2 2026

$77.7MAssets
$49.5MLoans
$68.9MDeposits
$8.3MEquity

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 82% of banks under $1B in assets in OH (rank 13 of 71).
  • Widest gap: net charge-offs / loans trails 88% of banks under $1B in assets in OH (rank 61 of 68).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.24%

Rank 23 of 71

Net Interest Margin

3.88%

Rank 22 of 71

Efficiency Ratio

65.71%

Rank 31 of 71

Equity / Assets

10.74%

Rank 36 of 71

Non-interest income vs. expense

$0.4M$2.3MINCOMEEXPENSE
Unfavorable gap of $1.9M · efficiency ratio beats 58% of banks under $1B in assets in OH
Bank 65.71%Peer median 70.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.24%0.62%1.02%1.39%Beats 68%23 / 71
Return on Equity11.54%5.62%10.07%13.60%Beats 61%28 / 71
Net Interest Margin3.88%2.93%3.56%4.07%Beats 69%22 / 71
Efficiency Ratio65.71%55.94%70.77%78.80%Beats 58%31 / 71
Asset Quality
Nonperforming Loans / Loans0.15%0.08%0.27%0.97%Beats 63%26 / 68
Net Charge-Offs / Loans0.07%n/a0.00%0.05%Beats 12%61 / 68
Capital
Tier 1 Capital Ratio22.08%11.18%13.77%20.34%Beats 82%13 / 71
Total Risk-Based Capital Ratio22.84%12.08%14.34%21.24%Beats 82%13 / 71
Equity / Assets10.74%8.41%10.74%13.32%Beats 49%36 / 71
Liquidity & Funding
Loans / Deposits71.84%64.48%76.81%87.49%38th pctl42 / 68
Loans / Assets63.70%55.33%65.58%72.51%46th pctl38 / 71
Brokered Deposits / Depositsn/aNot reported for this institution