1st National Bank
Lebanon, OH · Cert 6646 · Peer group: banks under $1B in assets in the Cincinnati, OH-KY-IN area (n=15)
National charter · OCC · 8 branches
Q2 2026
$247.2MAssets
$171.5MLoans
$214.3MDeposits
$23.0MEquity
Executive Summary
- Strongest standing: total risk-based capital ratio outperforms 53% of banks under $1B in assets in the Cincinnati, OH-KY-IN area (rank 7 of 15).
- Widest gap: equity / assets trails 87% of banks under $1B in assets in the Cincinnati, OH-KY-IN area (rank 13 of 15).
- Overall: at or above the peer median on 1 of 9 directional measures.
Return on Assets
0.46%
Rank 9 of 15
Net Interest Margin
2.89%
Rank 11 of 15
Efficiency Ratio
87.85%
Rank 11 of 15
Equity / Assets
9.31%
Rank 13 of 15
Non-interest income vs. expense
Unfavorable gap of $5.9M · efficiency ratio beats 33% of banks under $1B in assets in the Cincinnati, OH-KY-IN area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.46% | 0.35% | 0.56% | 1.05% | Beats 40% | 9 / 15 | |
| Return on Equity | 4.99% | 1.73% | 4.99% | 6.76% | Beats 47% | 8 / 15 | |
| Net Interest Margin | 2.89% | 2.85% | 3.21% | 3.42% | Beats 27% | 11 / 15 | |
| Efficiency Ratio | 87.85% | 64.82% | 75.45% | 88.43% | Beats 33% | 11 / 15 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.74% | 0.12% | 0.43% | 1.30% | Beats 47% | 9 / 15 | |
| Net Charge-Offs / Loans | 0.09% | n/a | 0.00% | 0.00% | Beats 13% | 14 / 15 | |
| Capital |
| Tier 1 Capital Ratio | 14.71% | 13.11% | 14.76% | 20.06% | Beats 40% | 9 / 15 | |
| Total Risk-Based Capital Ratio | 15.96% | 14.37% | 15.36% | 20.06% | Beats 53% | 7 / 15 | |
| Equity / Assets | 9.31% | 10.14% | 11.33% | 20.42% | Beats 13% | 13 / 15 | |
| Liquidity & Funding |
| Loans / Deposits | 80.04% | 80.04% | 97.18% | 103.56% | 20th pctl | 12 / 15 | |
| Loans / Assets | 69.37% | 68.16% | 75.18% | 82.63% | 27th pctl | 11 / 15 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |