The First National Bank of Bellevue (FDIC certificate #6528) is based in Bellevue, Ohio. Its Q2 2026 call report shows $309.7M in total assets and $276.8M in deposits and 9 offices.
The First National Bank of Bellevue has a TellerScore of 54 out of 100 (below average) based on Q2 2026 data — higher than only 10% of its 2,650 banks with $100 million – $1 billion. Among 157 banks headquartered in Ohio, it ranks 148th. Funding & liquidity contributes the most (84/100, 61% loans-to-deposits, 29% uninsured); loan quality contributes the least (41/100, 1.77%).
TellerScore · Q2 2026
Scorecard
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
From Q2 2025 to Q2 2026, the score fell 19 points (73 → 54), mostly because the loan quality component weakened by 54 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 73 |
| Q3 2024 | 74 |
| Q4 2024 | 75 |
| Q1 2025 | 74 |
| Q2 2025 | 73 |
| Q3 2025 | 43 |
| Q4 2025 | 43 |
| Q1 2026 | 53 |
| Q2 2026 | 54 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.77% |
| Q3 2024 | 11.72% |
| Q4 2024 | 11.99% |
| Q1 2025 | 12.05% |
| Q2 2025 | 11.57% |
| Q3 2025 | 9.03% |
| Q4 2025 | 9.04% |
| Q1 2026 | 9.43% |
| Q2 2026 | 9.39% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.20% |
| Q3 2024 | 0.14% |
| Q4 2024 | 0.18% |
| Q1 2025 | 0.15% |
| Q2 2025 | 0.14% |
| Q3 2025 | 1.64% |
| Q4 2025 | 1.78% |
| Q1 2026 | 1.73% |
| Q2 2026 | 1.77% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.51% |
| Q3 2024 | 0.55% |
| Q4 2024 | 0.54% |
| Q1 2025 | 0.40% |
| Q2 2025 | 0.47% |
| Q3 2025 | -2.72% |
| Q4 2025 | -1.85% |
| Q1 2026 | 0.56% |
| Q2 2026 | 0.71% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 54 | $309.7M | 9.39% | 1.77% | 0.71% | 60.9% |
| Q1 2026 | 53 | $316.6M | 9.43% | 1.73% | 0.56% | 59.6% |
| Q4 2025 | 43 | $309.3M | 9.04% | 1.78% | -1.85% | 61.6% |
| Q3 2025 | 43 | $328.5M | 9.03% | 1.64% | -2.72% | 59.0% |
| Q2 2025 | 73 | $308.9M | 11.57% | 0.14% | 0.47% | 63.9% |
| Q1 2025 | 74 | $319.3M | 12.05% | 0.15% | 0.40% | 60.9% |
| Q4 2024 | 75 | $293.6M | 11.99% | 0.18% | 0.54% | 66.7% |
| Q3 2024 | 74 | $306.0M | 11.72% | 0.14% | 0.55% | 64.9% |
| Q2 2024 | 73 | $295.3M | 11.77% | 0.20% | 0.51% | 70.5% |
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).
Similar-size banks in Ohio
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The First National Bank of PandoraBank Pandora, OH | 65 out of 100, Moderate | $299.0M | 8.1% | 0.27% | vs |
| SSB Community BankBank Strasburg, OH | 67 out of 100, Moderate | $296.8M | 7.4% | 0.14% | vs |
| First Federal Savings and Loan AssociationBank Newark, OH | 70 out of 100, Strong | $293.5M | 14.2% | 1.28% | vs |
| Somerville BankBank Eaton, OH | 60 out of 100, Moderate | $290.6M | 9.5% | 1.10% | vs |
| The Farmers State BankBank New Madison, OH | 75 out of 100, Strong | $329.6M | 10.9% | 0.28% | vs |
| New Carlisle Federal Savings BankBank New Carlisle, OH | 49 out of 100, Below average | $330.5M | 8.4% | 1.78% | vs |
Deposit insurance
Is my money safe at The First National Bank of Bellevue?
Yes. The First National Bank of Bellevue is an FDIC-insured institution (FDIC certificate #6528). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 28.9% of deposits ($79.9M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.39%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
9 locations
Branches
The First National Bank of Bellevue lists 9 offices in 7 cities. Most locations:
- Port Clinton, OH (2)
- Sandusky, OH (2)
- Bellevue, OH (1)
- Clyde, OH (1)
- Fremont, OH (1)
- Norwalk, OH (1)
- Put-In-Bay, OH (1)
HMDA 2025
Mortgage lending
In 2025, The First National Bank of Bellevue reported 38 home-loan applications under HMDA (LEI 254900KOJTW8YS8AL287): 24 originated ($4,560,000 total), 7 denied, and 4 withdrawn or closed by the applicant. Its denial rate on decided applications was 20.6%, 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
- The First National Bank of Bellevue
- Type
- National bank
- FDIC certificate #
- 6528
- RSSD ID
- 243414
- Primary regulator
- OCC
- Holding company
- First Bancshares Inc
- Established
- September 15, 1875
- Headquarters
- 120 North St, Bellevue, OH 44811
- Website
- www.fnblifetime.com
- Employees
- 56
Quick answers
The First National Bank of Bellevue: common questions
Is The First National Bank of Bellevue FDIC insured?
Yes. The First National Bank of Bellevue is an FDIC-insured institution (FDIC certificate #6528). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The First National Bank of Bellevue's TellerScore?
54 out of 100 (Below average), 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 National Bank of Bellevue ever failed?
There is no failure record for FDIC certificate #6528 in the FDIC failed bank list.
How many branches does The First National Bank of Bellevue have?
9 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Bellevue
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First Bank of OhioBank Tiffin, OH | 90 out of 100, Very strong | $278.4M | 35.5% | 0.26% | vs |
| Sutton BankBank Attica, OH | 77 out of 100, Strong | $1.7B | 10.0% | 0.02% | vs |
| Civista BankBank Sandusky, OH | 75 out of 100, Strong | $4.3B | 12.7% | 0.92% | vs |
| First Federal Bank of OhioBank Galion, OH | 75 out of 100, Strong | $282.9M | 13.7% | 0.93% | vs |
| The Farmers State BankBank New Madison, OH | 75 out of 100, Strong | $329.6M | 10.9% | 0.28% | vs |
| The First National Bank of SycamoreBank Sycamore, OH | 75 out of 100, Strong | $239.4M | 10.0% | 0.06% | vs |