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
Unfavorable gap of $1.9M · efficiency ratio beats 58% of banks under $1B in assets in OH | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.24% | 0.62% | 1.02% | 1.39% | Beats 68% | 23 / 71 | |
| Return on Equity | 11.54% | 5.62% | 10.07% | 13.60% | Beats 61% | 28 / 71 | |
| Net Interest Margin | 3.88% | 2.93% | 3.56% | 4.07% | Beats 69% | 22 / 71 | |
| Efficiency Ratio | 65.71% | 55.94% | 70.77% | 78.80% | Beats 58% | 31 / 71 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.15% | 0.08% | 0.27% | 0.97% | Beats 63% | 26 / 68 | |
| Net Charge-Offs / Loans | 0.07% | n/a | 0.00% | 0.05% | Beats 12% | 61 / 68 | |
| Capital |
| Tier 1 Capital Ratio | 22.08% | 11.18% | 13.77% | 20.34% | Beats 82% | 13 / 71 | |
| Total Risk-Based Capital Ratio | 22.84% | 12.08% | 14.34% | 21.24% | Beats 82% | 13 / 71 | |
| Equity / Assets | 10.74% | 8.41% | 10.74% | 13.32% | Beats 49% | 36 / 71 | |
| Liquidity & Funding |
| Loans / Deposits | 71.84% | 64.48% | 76.81% | 87.49% | 38th pctl | 42 / 68 | |
| Loans / Assets | 63.70% | 55.33% | 65.58% | 72.51% | 46th pctl | 38 / 71 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |