TellerScore

The First Central National Bank of St. Paris is a national bank headquartered in St. Paris, Ohio, in business for about 146 years. At the end of Q2 2026 it reported $97.0M in total assets and $76.8M in deposits, with 4 offices.

The First Central National Bank of St. Paris has a TellerScore of 87 out of 100 (very strong) based on Q2 2026 data — higher than 84% of its 546 banks with under $100 million in assets. Among 157 banks headquartered in Ohio, it ranks 12th. Capital cushion contributes the most (100/100, 18.89%); earnings contributes the least (50/100, 0.75%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Tier 1 leverage ratio: 18.89%
Loan quality99/100
Noncurrent loans ÷ total loans: 0.02%
Earnings50/100
Return on assets (annualized): 0.75%
Funding & liquidity84/100
Loans ÷ deposits and uninsured-deposit share: 76.2% · 10.6% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.05%

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 (88 → 87).

TellerScore
838790Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202490
Q3 202490
Q4 202489
Q1 202587
Q2 202588
Q3 202583
Q4 202587
Q1 202687
Q2 202687
Tier 1 leverage ratio
5.00%12.67%20.34%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202419.81%
Q3 202420.34%
Q4 202419.84%
Q1 202519.93%
Q2 202519.66%
Q3 202519.67%
Q4 202518.79%
Q1 202618.96%
Q2 202618.89%
Noncurrent loans
0.00%0.38%0.76%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.00%
Q4 20240.00%
Q1 20250.14%
Q2 20250.03%
Q3 20250.76%
Q4 20250.19%
Q1 20260.02%
Q2 20260.02%
Return on assets
0.70%0.84%0.98%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.98%
Q3 20240.97%
Q4 20240.89%
Q1 20250.74%
Q2 20250.80%
Q3 20250.85%
Q4 20250.85%
Q1 20260.70%
Q2 20260.75%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202687$97.0M18.89%0.02%0.75%76.2%
Q1 202687$99.0M18.96%0.02%0.70%72.9%
Q4 202587$98.2M18.79%0.19%0.85%73.7%
Q3 202583$98.8M19.67%0.76%0.85%70.3%
Q2 202588$95.6M19.66%0.03%0.80%71.8%
Q1 202587$95.4M19.93%0.14%0.74%74.2%
Q4 202489$93.2M19.84%0.00%0.89%76.2%
Q3 202490$92.6M20.34%0.00%0.97%75.5%
Q2 202490$93.4M19.81%0.00%0.98%72.0%

546 peers · Under $100 million in assets

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 ratio18.89%
83rd
Total risk-based capital30.56%
87th
Problem loans0.02%
68th
Net charge-offs0.00%
58th
Return on assets0.75%
39th
Net interest margin3.82%
48th
Efficiency ratio76.8%
39th
Loans to deposits76.2%
36th
Uninsured deposits10.6%
72nd
Loan-loss reserves0.83%
20th
Texas ratio0.1%
69th

Similar-size banks in Ohio

InstitutionScoreAssetsCapitalProblem loansCompare
The First National Bank of GermantownBank Germantown, OH63 out of 100, Moderate$96.2M8.5%0.47%vs
Bank419Bank Metamora, OH55 out of 100, Moderate$98.3M9.3%1.42%vs
Home National BankBank Racine, OH52 out of 100, Below average$95.0M10.5%2.43%vs
Peoples First Savings BankBank Mason, OH42 out of 100, Below average$99.9M10.0%2.34%vs
The Ottoville Bank CompanyBank Ottoville, OH95 out of 100, Very strong$93.8M21.4%0.00%vs
The Covington Savings and Loan AssociationBank Covington, OH91 out of 100, Very strong$84.0M18.6%0.00%vs

Deposit insurance

Is my money safe at The First Central National Bank of St. Paris?

Yes. The First Central National Bank of St. Paris is an FDIC-insured institution (FDIC certificate #15214). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 10.6% of deposits ($8.2M) are above the $250,000 FDIC insurance limit, below the peer median of 16%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 18.89%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 30.56% (benchmark: 10%).

Check how much of your own balance is covered

4 locations

Branches

The First Central National Bank of St. Paris lists 4 offices in 4 cities. Most locations:

  • Christiansburg, OH (1)
  • Rosewood, OH (1)
  • St. Paris, OH (1)
  • Urbana, OH (1)

All branch addresses and map

Identity & history

Profile

Legal name
The First Central National Bank of St. Paris
Type
National bank
FDIC certificate #
15214
RSSD ID
538222
Primary regulator
OCC
Holding company
Central Bancshares Inc
Established
August 8, 1880
Headquarters
103 S Springfield St, St. Paris, OH 43072
Employees
24

Quick answers

The First Central National Bank of St. Paris: common questions

Is The First Central National Bank of St. Paris FDIC insured?

Yes. The First Central National Bank of St. Paris is an FDIC-insured institution (FDIC certificate #15214). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is The First Central National Bank of St. Paris's TellerScore?

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

Has The First Central National Bank of St. Paris ever failed?

There is no failure record for FDIC certificate #15214 in the FDIC failed bank list.

How many branches does The First Central National Bank of St. Paris have?

4 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near St. Paris

InstitutionScoreAssetsCapitalProblem loansCompare
The Covington Savings and Loan AssociationBank Covington, OH91 out of 100, Very strong$84.0M18.6%0.00%vs
Greenville National BankBank Greenville, OH86 out of 100, Very strong$641.5M13.0%0.05%vs
Minster BankBank Minster, OH79 out of 100, Strong$811.6M10.1%0.14%vs
First National Bank in New BremenBank New Bremen, OH78 out of 100, Strong$467.1M10.8%0.17%vs
Civista BankBank Sandusky, OH75 out of 100, Strong$4.3B12.7%0.92%vs
Ih Credit Union, Inc.Credit union Springfield, OH74 out of 100, Strong$362.7M16.0%1.70%vs