TellerScore

1st National Bank is a national bank headquartered in Lebanon, Ohio, in business for about 119 years. At the end of Q2 2026 it reported $247.2M in total assets and $214.3M in deposits, with 8 offices.

Based on its Q2 2026 filing, 1st National Bank scores 61/100, which we describe as moderate. That is higher than only 20% of 2,650 banks with $100 million – $1 billion. Among 157 banks headquartered in Ohio, it ranks 131st. Its strongest component is problem-loan coverage (90/100; 5.0%), and its lowest is earnings (43/100; 0.57%).

TellerScore · Q2 2026

Scorecard

Capital cushion46/100
Tier 1 leverage ratio: 9.56%
Loan quality75/100
Noncurrent loans ÷ total loans: 0.74%
Earnings43/100
Return on assets (annualized): 0.57%
Funding & liquidity71/100
Loans ÷ deposits and uninsured-deposit share: 79.1% · 23.9% uninsured
Problem-loan coverage90/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 5.04%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (62 → 61).

TellerScore
566064Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202456
Q3 202461
Q4 202459
Q1 202556
Q2 202562
Q3 202564
Q4 202561
Q1 202658
Q2 202661
Tier 1 leverage ratio
5.00%7.28%9.56%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20247.42%
Q3 20247.87%
Q4 20247.81%
Q1 20258.23%
Q2 20258.87%
Q3 20259.24%
Q4 20259.11%
Q1 20269.17%
Q2 20269.56%
Noncurrent loans
0.02%0.38%0.74%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.02%
Q3 20240.19%
Q4 20240.24%
Q1 20250.34%
Q2 20250.37%
Q3 20250.36%
Q4 20250.61%
Q1 20260.52%
Q2 20260.74%
Return on assets
0.00%0.33%0.65%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.00%
Q3 20240.59%
Q4 20240.40%
Q1 20250.18%
Q2 20250.61%
Q3 20250.65%
Q4 20250.65%
Q1 20260.12%
Q2 20260.57%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202661$247.2M9.56%0.74%0.57%79.1%
Q1 202658$253.4M9.17%0.52%0.12%78.6%
Q4 202561$265.4M9.11%0.61%0.65%78.5%
Q3 202564$258.8M9.24%0.36%0.65%82.2%
Q2 202562$266.9M8.87%0.37%0.61%84.5%
Q1 202556$276.5M8.23%0.34%0.18%85.2%
Q4 202459$281.7M7.81%0.24%0.40%81.8%
Q3 202461$293.2M7.87%0.19%0.59%81.9%
Q2 202456$287.0M7.42%0.02%0.00%88.3%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.56%
23rd
Total risk-based capital15.96%
73rd
Problem loans0.74%
36th
Net charge-offs0.05%
29th
Return on assets0.57%
14th
Net interest margin3.30%
20th
Efficiency ratio87.7%
7th
Loans to deposits79.1%
51st
Uninsured deposits23.9%
50th
Loan-loss reserves1.21%
52nd
Texas ratio5.0%
36th

Similar-size banks in Ohio

InstitutionScoreAssetsCapitalProblem loansCompare
First Federal Savings and Loan AssociationBank Delta, OH93 out of 100, Very strong$246.0M16.5%0.00%vs
The Home Savings and Loan Company of Kenton, Ohio, DBA HSLCBank Kenton, OH75 out of 100, Strong$245.0M17.1%1.14%vs
Hometown BankBank Kent, OH54 out of 100, Below average$254.9M8.2%0.61%vs
The First National Bank of SycamoreBank Sycamore, OH75 out of 100, Strong$239.4M10.0%0.06%vs
Buckeye Community BankBank Elyria, OH77 out of 100, Strong$238.3M12.9%0.01%vs
First Bank of Central OhioBank Worthington, OH46 out of 100, Below average$260.9M9.9%1.48%vs

Deposit insurance

Is my money safe at 1st National Bank?

Yes. 1st National Bank is an FDIC-insured institution (FDIC certificate #6646). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 23.9% of deposits ($51.1M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.56%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.96% (benchmark: 10%).

Check how much of your own balance is covered

8 locations

Branches

1st National Bank lists 8 offices in 7 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, 1st National Bank reported 424 home-loan applications under HMDA (LEI 254900Q9V3DYHBRTUH61): 301 originated ($94,725,000 total), 5 denied, and 118 withdrawn or closed by the applicant. Its denial rate on decided applications was 1.6%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
1st National Bank
Former names
The First National Bank of Morrow; The First National Bank of Warren County
Type
National bank
FDIC certificate #
6646
RSSD ID
480723
Primary regulator
OCC
Established
January 1, 1907
Headquarters
1000 E Main St, Lebanon, OH 45036
Employees
60

Quick answers

1st National Bank: common questions

Is 1st National Bank FDIC insured?

Yes. 1st National Bank is an FDIC-insured institution (FDIC certificate #6646). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is 1st National Bank's TellerScore?

61 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has 1st National Bank ever failed?

There is no failure record for FDIC certificate #6646 in the FDIC failed bank list.

How many branches does 1st National Bank have?

8 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Lebanon

InstitutionScoreAssetsCapitalProblem loansCompare
Superior Credit Union, IncCredit union Lima, OH94 out of 100, Very strong$2.0B15.2%0.20%vs
Cincinnati Interagency Federal Credit UnionCredit union Cincinnati, OH92 out of 100, Very strong$30.8M18.2%0.82%vs
Children'S Medical Center Federal Credit UnionCredit union Cincinnati, OH91 out of 100, Very strong$46.8M20.3%0.52%vs
Deca Credit UnionCredit union Cincinnati, OH90 out of 100, Very strong$7.6M18.9%0.45%vs
Spring Valley BankBank Wyoming, OH89 out of 100, Very strong$113.6M34.1%0.43%vs
Members Trust Federal Credit UnionCredit union Mason, OH87 out of 100, Very strong$23.4M19.1%0.05%vs