TellerScore

The First National Bank of Dennison is a national bank headquartered in Dennison, Ohio, in business for about 93 years. At the end of Q2 2026 it reported $267.4M in total assets and $247.5M in deposits, with 5 offices.

Based on its Q2 2026 filing, The First National Bank of Dennison scores 71/100, which we describe as strong. That is higher than only 47% of 2,650 banks with $100 million – $1 billion. Among 157 banks headquartered in Ohio, it ranks 70th. Its strongest component is problem-loan coverage (97/100; 1.7%), and its lowest is earnings (45/100; 0.61%).

TellerScore · Q2 2026

Scorecard

Capital cushion53/100
Tier 1 leverage ratio: 10.25%
Loan quality93/100
Noncurrent loans ÷ total loans: 0.22%
Earnings45/100
Return on assets (annualized): 0.61%
Funding & liquidity89/100
Loans ÷ deposits and uninsured-deposit share: 65.0% · 20.7% uninsured
Problem-loan coverage97/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.67%

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 (71 → 71).

TellerScore
667073Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202473
Q3 202471
Q4 202466
Q1 202572
Q2 202571
Q3 202571
Q4 202571
Q1 202673
Q2 202671
Tier 1 leverage ratio
5.00%7.70%10.41%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.10%
Q3 202410.29%
Q4 20249.92%
Q1 202510.19%
Q2 202510.07%
Q3 202510.08%
Q4 202510.03%
Q1 202610.41%
Q2 202610.25%
Noncurrent loans
0.09%0.24%0.39%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.09%
Q3 20240.31%
Q4 20240.33%
Q1 20250.28%
Q2 20250.39%
Q3 20250.29%
Q4 20250.22%
Q1 20260.11%
Q2 20260.22%
Return on assets
0.22%0.52%0.82%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.82%
Q3 20240.79%
Q4 20240.22%
Q1 20250.77%
Q2 20250.76%
Q3 20250.73%
Q4 20250.69%
Q1 20260.64%
Q2 20260.61%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202671$267.4M10.25%0.22%0.61%65.0%
Q1 202673$271.5M10.41%0.11%0.64%60.8%
Q4 202571$273.0M10.03%0.22%0.69%60.1%
Q3 202571$274.2M10.08%0.29%0.73%59.9%
Q2 202571$271.5M10.07%0.39%0.76%59.6%
Q1 202572$268.1M10.19%0.28%0.77%61.7%
Q4 202466$271.0M9.92%0.33%0.22%62.4%
Q3 202471$284.5M10.29%0.31%0.79%62.0%
Q2 202473$276.7M10.10%0.09%0.82%64.5%

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).

Capital ratio10.25%
37th
Total risk-based capital0.00%
24th
Problem loans0.22%
64th
Net charge-offs0.22%
12th
Return on assets0.61%
16th
Net interest margin4.91%
91st
Efficiency ratio84.6%
9th
Loans to deposits65.0%
76th
Uninsured deposits20.7%
62nd
Loan-loss reserves1.12%
41st
Texas ratio1.7%
62nd

Similar-size banks in Ohio

InstitutionScoreAssetsCapitalProblem loansCompare
The Wilmington Savings BankBank Wilmington, OH72 out of 100, Strong$267.3M14.6%0.82%vs
The Harrison Building and Loan AssociationBank Harrison, OH86 out of 100, Very strong$268.0M17.6%0.39%vs
Riverside Bank of DublinBank Dublin, OH58 out of 100, Moderate$269.0M9.1%0.38%vs
The Apple Creek Banking CompanyBank Apple Creek, OH70 out of 100, Strong$270.6M9.2%0.00%vs
Greenville FederalBank Greenville, OH57 out of 100, Moderate$263.9M7.8%0.09%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 The First National Bank of Dennison?

Yes. The First National Bank of Dennison is an FDIC-insured institution (FDIC certificate #6574). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 20.7% of deposits ($51.2M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.25%, well 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%).

Check how much of your own balance is covered

5 locations

Branches

The First National Bank of Dennison lists 5 offices in 4 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
The First National Bank of Dennison
Type
National bank
FDIC certificate #
6574
RSSD ID
935719
Primary regulator
OCC
Holding company
Fnb Inc
Established
October 16, 1933
Headquarters
105 Grant St, Dennison, OH 44621
Employees
57

Quick answers

The First National Bank of Dennison: common questions

Is The First National Bank of Dennison FDIC insured?

Yes. The First National Bank of Dennison is an FDIC-insured institution (FDIC certificate #6574). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

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

71 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 Dennison ever failed?

There is no failure record for FDIC certificate #6574 in the FDIC failed bank list.

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

5 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Dennison

InstitutionScoreAssetsCapitalProblem loansCompare
The Bank of Magnolia CompanyBank Magnolia, OH89 out of 100, Very strong$107.8M13.0%0.12%vs
Dover-Phila Federal Credit UnionCredit union Dover, OH83 out of 100, Strong$812.6M13.3%0.91%vs
First Federal Community Bank, National AssociationBank Dover, OH75 out of 100, Strong$994.6M9.4%0.08%vs
The Killbuck Savings Bank CompanyBank Killbuck, OH73 out of 100, Strong$953.8M9.5%0.01%vs
The Apple Creek Banking CompanyBank Apple Creek, OH70 out of 100, Strong$270.6M9.2%0.00%vs
The Commercial and Savings Bank of Millersburg, OhioBank Millersburg, OH69 out of 100, Moderate$1.3B10.2%0.84%vs