TellerScore

Headquartered in Blanchester, Ohio, The First National Bank of Blanchester is a national bank with $77.7M in total assets and $68.9M in deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1907.

Based on its Q2 2026 filing, The First National Bank of Blanchester scores 77/100, which we describe as strong. That is higher than 58% of 546 banks with under $100 million in assets. Among 157 banks headquartered in Ohio, it ranks 40th. Its strongest component is problem-loan coverage (98/100; 0.9%), and its lowest is capital cushion (56/100; 10.62%).

TellerScore · Q2 2026

Scorecard

Capital cushion56/100
Tier 1 leverage ratio: 10.62%
Loan quality95/100
Noncurrent loans ÷ total loans: 0.15%
Earnings69/100
Return on assets (annualized): 1.23%
Funding & liquidity85/100
Loans ÷ deposits and uninsured-deposit share: 71.4% · 18.1% uninsured
Problem-loan coverage98/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.87%

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 (76 → 77).

TellerScore
727577Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202472
Q3 202474
Q4 202474
Q1 202573
Q2 202576
Q3 202576
Q4 202576
Q1 202676
Q2 202677
Tier 1 leverage ratio
5.00%7.81%10.63%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.16%
Q3 202410.60%
Q4 202410.50%
Q1 202510.56%
Q2 202510.28%
Q3 202510.08%
Q4 202510.20%
Q1 202610.63%
Q2 202610.62%
Noncurrent loans
0.03%0.16%0.28%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.13%
Q3 20240.11%
Q4 20240.09%
Q1 20250.28%
Q2 20250.03%
Q3 20250.03%
Q4 20250.04%
Q1 20260.19%
Q2 20260.15%
Return on assets
0.57%0.90%1.23%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.57%
Q3 20240.68%
Q4 20240.76%
Q1 20250.81%
Q2 20250.95%
Q3 20251.05%
Q4 20251.13%
Q1 20261.12%
Q2 20261.23%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202677$77.7M10.62%0.15%1.23%71.4%
Q1 202676$77.9M10.63%0.19%1.12%71.0%
Q4 202576$78.7M10.20%0.04%1.13%70.4%
Q3 202576$81.3M10.08%0.03%1.05%66.2%
Q2 202576$78.0M10.28%0.03%0.95%66.6%
Q1 202573$79.9M10.56%0.28%0.81%64.7%
Q4 202474$75.9M10.50%0.09%0.76%68.1%
Q3 202474$76.5M10.60%0.11%0.68%67.2%
Q2 202472$76.6M10.16%0.13%0.57%67.2%

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 ratio10.62%
25th
Total risk-based capital22.84%
79th
Problem loans0.15%
59th
Net charge-offs0.13%
15th
Return on assets1.23%
63rd
Net interest margin4.18%
63rd
Efficiency ratio65.7%
62nd
Loans to deposits71.4%
43rd
Uninsured deposits18.1%
41st
Loan-loss reserves0.58%
10th
Texas ratio0.9%
58th

Similar-size banks in Ohio

InstitutionScoreAssetsCapitalProblem loansCompare
Galion Building and Loan BankBank Galion, OH67 out of 100, Moderate$78.5M11.2%0.58%vs
Conneaut Savings BankBank Conneaut, OH82 out of 100, Strong$76.7M15.1%0.40%vs
The Peoples Savings BankBank New Matamoras, OH71 out of 100, Strong$71.9M13.5%1.58%vs
The Covington Savings and Loan AssociationBank Covington, OH91 out of 100, Very strong$84.0M18.6%0.00%vs
Versailles Savings and Loan CompanyBank Versailles, OH89 out of 100, Very strong$65.6M19.3%0.00%vs
The Ottoville Bank CompanyBank Ottoville, OH95 out of 100, Very strong$93.8M21.4%0.00%vs

Deposit insurance

Is my money safe at The First National Bank of Blanchester?

Yes. The First National Bank of Blanchester is an FDIC-insured institution (FDIC certificate #6530). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 18.1% of deposits ($12.5M) are above the $250,000 FDIC insurance limit, above the peer median of 16%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.62%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 22.84% (benchmark: 10%).

Check how much of your own balance is covered

1 location

Branches

The First National Bank of Blanchester lists 1 office in 1 city. Most locations:

  • Blanchester, OH (1)

All branch addresses and map

Identity & history

Profile

Legal name
The First National Bank of Blanchester
Type
National bank
FDIC certificate #
6530
RSSD ID
735414
Primary regulator
OCC
Holding company
First Blanchester Bancshares
Established
March 8, 1907
Headquarters
121 E Main St, Blanchester, OH 45107
Employees
16

Quick answers

The First National Bank of Blanchester: common questions

Is The First National Bank of Blanchester FDIC insured?

Yes. The First National Bank of Blanchester is an FDIC-insured institution (FDIC certificate #6530). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is The First National Bank of Blanchester's TellerScore?

77 out of 100 (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 National Bank of Blanchester ever failed?

There is no failure record for FDIC certificate #6530 in the FDIC failed bank list.

How many branches does The First National Bank of Blanchester have?

1 office as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Blanchester

InstitutionScoreAssetsCapitalProblem loansCompare
Superior Credit Union, IncCredit union Lima, OH94 out of 100, Very strong$2.0B15.2%0.20%vs
Members Trust Federal Credit UnionCredit union Mason, OH87 out of 100, Very strong$23.4M19.1%0.05%vs
Republic Bank & Trust CompanyBank Louisville, KY84 out of 100, Strong$7.1B14.8%0.56%vs
Guardian Savings BankBank West Chester, OH83 out of 100, Strong$1.4B11.4%0.20%vs
Christian Family Credit UnionCredit union North Canton, OH79 out of 100, Strong$93.2M13.5%0.38%vs
Greater Cincinnati School Credit UnionCredit union Cincinnati, OH78 out of 100, Strong$135.1M13.4%0.46%vs