First National Bank of McConnelsville, The
McConnelsville, OH · Cert 6637 · Peer group: banks under $1B in assets in OH (n=68-71) · FNB Shares Inc.
National charter · OCC · 6 branches
Q2 2026
$200.2MAssets
$113.3MLoans
$176.9MDeposits
$22.1MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in OH (rank 26 of 68).
- Widest gap: nonperforming loans / loans trails 68% of banks under $1B in assets in OH (rank 47 of 68).
- Overall: at or above the peer median on 8 of 9 directional measures.
Return on Assets
1.22%
Rank 24 of 71
Net Interest Margin
3.92%
Rank 21 of 71
Efficiency Ratio
65.17%
Rank 30 of 71
Equity / Assets
11.03%
Rank 31 of 71
Non-interest income vs. expense
Unfavorable gap of $4.7M · efficiency ratio beats 59% of banks under $1B in assets in OH | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.22% | 0.62% | 1.02% | 1.39% | Beats 66% | 24 / 71 | | |
| Return on Equity | 11.07% | 5.62% | 10.07% | 13.60% | Beats 55% | 32 / 71 | | |
| Net Interest Margin | 3.92% | 2.93% | 3.56% | 4.07% | Beats 70% | 21 / 71 | | |
| Efficiency Ratio | 65.17% | 55.94% | 70.77% | 78.80% | Beats 59% | 30 / 71 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.86% | 0.08% | 0.27% | 0.97% | Beats 32% | 47 / 68 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.05% | Beats 100% | 26 / 68 | | |
| Capital |
| Tier 1 Capital Ratio | 19.99% | 11.18% | 13.77% | 20.34% | Beats 72% | 20 / 71 | | |
| Total Risk-Based Capital Ratio | 21.24% | 12.08% | 14.34% | 21.24% | Beats 75% | 18 / 71 | | |
| Equity / Assets | 11.03% | 8.41% | 10.74% | 13.32% | Beats 56% | 31 / 71 | | |
| Liquidity & Funding |
| Loans / Deposits | 64.07% | 64.48% | 76.81% | 87.49% | 22nd pctl | 53 / 68 | | |
| Loans / Assets | 56.60% | 55.33% | 65.58% | 72.51% | 25th pctl | 53 / 71 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |