First National Bank of Sycamore, The
Sycamore, OH · Cert 6706 · Peer group: banks under $1B in assets in OH (n=68-71) · FNB Bancshares Inc.
National charter · OCC · 4 branches
Q2 2026
$239.4MAssets
$153.1MLoans
$207.4MDeposits
$21.2MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in OH (rank 26 of 68).
- Widest gap: equity / assets trails 70% of banks under $1B in assets in OH (rank 50 of 71).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.21%
Rank 25 of 71
Net Interest Margin
3.35%
Rank 45 of 71
Efficiency Ratio
56.93%
Rank 20 of 71
Equity / Assets
8.86%
Rank 50 of 71
Non-interest income vs. expense
Unfavorable gap of $4.4M · efficiency ratio beats 73% 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 | 1.21% | 0.62% | 1.02% | 1.39% | Beats 65% | 25 / 71 | | |
| Return on Equity | 13.60% | 5.62% | 10.07% | 13.60% | Beats 76% | 17 / 71 | | |
| Net Interest Margin | 3.35% | 2.93% | 3.56% | 4.07% | Beats 37% | 45 / 71 | | |
| Efficiency Ratio | 56.93% | 55.94% | 70.77% | 78.80% | Beats 73% | 20 / 71 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.06% | 0.08% | 0.27% | 0.97% | Beats 78% | 16 / 68 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.05% | Beats 100% | 26 / 68 | | |
| Capital |
| Tier 1 Capital Ratio | 15.54% | 11.18% | 13.77% | 20.34% | Beats 62% | 27 / 71 | | |
| Total Risk-Based Capital Ratio | 16.63% | 12.08% | 14.34% | 21.24% | Beats 65% | 25 / 71 | | |
| Equity / Assets | 8.86% | 8.41% | 10.74% | 13.32% | Beats 30% | 50 / 71 | | |
| Liquidity & Funding |
| Loans / Deposits | 73.82% | 64.48% | 76.81% | 87.49% | 44th pctl | 38 / 68 | | |
| Loans / Assets | 63.94% | 55.33% | 65.58% | 72.51% | 48th pctl | 37 / 71 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |