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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 $2.5MQ3 2024Q2 2026
Deposit mix
94%Interest-bearing $64.5M6%Noninterest $4.4MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.34%, up 26 bps year over year; NIM at 3.93%.
  • Asset quality: problem loans at 0.15% of loans (+12 bps YoY), with net charge-offs at 0.19%.
  • 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.

Return on Assets (quarter, annualized)

1.34%+26 bps YoY

Net Interest Margin (quarter, annualized)

3.93%+38 bps YoY

Efficiency Ratio (quarter, annualized)

62.75%-453 bps YoY

Tier 1 Leverage Ratio

10.62%+33 bps YoY

NIM

3.93%Q2 ’244.30%Q2 ’254.65%Q2 ’26+15%+11%

Non-interest income vs. expense

2.76%Q2 ’242.76%Q2 ’252.83%Q2 ’26+2%+2%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.89%1.01%0.81%1.08%1.25%1.35%1.12%1.34%+26 bps
Return on Equity8.63%9.60%7.79%10.51%12.27%13.36%10.74%12.55%+204 bps
Net Interest Margin3.17%3.36%3.37%3.56%3.74%3.96%3.85%3.93%+38 bps
Efficiency Ratio70.99%69.02%74.37%67.28%64.11%62.68%68.76%62.75%-453 bps
Non-Interest Burden2.06%2.13%2.37%2.21%2.19%2.27%2.47%2.25%+4 bps
Growth
Asset Growth (YoY)-3.97%-3.52%3.05%1.91%6.29%3.77%-2.55%-0.47%-238 bps
Loan Growth (YoY)1.19%2.93%3.80%0.79%5.42%7.52%6.22%6.19%+541 bps
Deposit Growth (YoY)-4.64%-4.10%3.08%1.72%7.08%4.08%-3.12%-0.88%-260 bps
Asset Quality
Nonperforming Loans / Loans0.11%0.09%0.28%0.03%0.03%0.04%0.19%0.15%+12 bps
Net Charge-Offs / Loans0.13%0.15%0.09%0.01%0.00%0.02%0.07%0.19%+18 bps
Allowance / Loans0.73%0.69%0.66%0.66%0.63%0.62%0.61%0.58%-9 bps
Allowance Coverage of NPLs6.8x7.6x2.4x19.3x19.3x14.6x3.2x3.8x-15.4x
Capital
Tier 1 Leverage Ratio10.60%10.50%10.56%10.28%10.08%10.20%10.63%10.62%+33 bps
Total Risk-Based Capital23.61%23.62%23.53%23.52%22.04%22.04%22.91%22.84%-68 bps
Equity / Assets10.48%10.53%10.19%10.44%9.88%10.27%10.66%10.74%+30 bps
Liquidity & Funding
Loans / Deposits67.67%68.56%65.13%67.06%66.62%70.83%71.41%71.84%+478 bps
Liquid Assets / Assets29.19%30.18%29.87%31.28%29.85%30.20%28.13%27.52%-376 bps
CRE / Total Capitaln/an/an/an/a83.52%84.73%73.12%n/an/a