TellerScore

The First National Bank of Sycamore is a national bank headquartered in Sycamore, Ohio, in business for about 107 years. At the end of Q2 2026 it reported $239.4M in total assets and $207.4M in deposits, with 4 offices.

The First National Bank of Sycamore has a TellerScore of 75 out of 100 (strong) based on Q2 2026 data — higher than 61% of its 2,650 banks with $100 million – $1 billion. Among 157 banks headquartered in Ohio, it ranks 49th. Problem-loan coverage contributes the most (99/100, 0.4%); capital cushion contributes the least (50/100, 9.96%).

TellerScore · Q2 2026

Scorecard

Capital cushion50/100
Tier 1 leverage ratio: 9.96%
Loan quality98/100
Noncurrent loans ÷ total loans: 0.06%
Earnings69/100
Return on assets (annualized): 1.22%
Funding & liquidity79/100
Loans ÷ deposits and uninsured-deposit share: 73.0% · 22.3% uninsured
Problem-loan coverage99/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.40%

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 rose 3 points (72 → 75), mostly because the earnings component improved by 10 points.

TellerScore
707375Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202470
Q3 202470
Q4 202470
Q1 202571
Q2 202572
Q3 202572
Q4 202573
Q1 202675
Q2 202675
Tier 1 leverage ratio
5.00%7.48%9.96%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.28%
Q3 20249.30%
Q4 20249.04%
Q1 20259.08%
Q2 20259.10%
Q3 20259.36%
Q4 20259.43%
Q1 20269.85%
Q2 20269.96%
Noncurrent loans
0.00%0.03%0.06%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.04%
Q3 20240.04%
Q4 20240.00%
Q1 20250.00%
Q2 20250.00%
Q3 20250.06%
Q4 20250.03%
Q1 20260.05%
Q2 20260.06%
Return on assets
0.70%0.96%1.22%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.70%
Q3 20240.76%
Q4 20240.80%
Q1 20250.91%
Q2 20250.98%
Q3 20251.02%
Q4 20251.04%
Q1 20261.16%
Q2 20261.22%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202675$239.4M9.96%0.06%1.22%73.0%
Q1 202675$239.4M9.85%0.05%1.16%70.3%
Q4 202573$233.0M9.43%0.03%1.04%70.7%
Q3 202572$238.4M9.36%0.06%1.02%65.9%
Q2 202572$233.6M9.10%0.00%0.98%64.7%
Q1 202571$237.8M9.08%0.00%0.91%61.1%
Q4 202470$223.0M9.04%0.00%0.80%65.5%
Q3 202470$226.0M9.30%0.04%0.76%65.2%
Q2 202470$214.8M9.28%0.04%0.70%65.6%

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 ratio9.96%
30th
Total risk-based capital16.63%
76th
Problem loans0.06%
78th
Net charge-offs0.00%
68th
Return on assets1.22%
48th
Net interest margin3.66%
35th
Efficiency ratio56.9%
67th
Loans to deposits73.0%
64th
Uninsured deposits22.3%
56th
Loan-loss reserves1.04%
31st
Texas ratio0.4%
79th

Similar-size banks in Ohio

InstitutionScoreAssetsCapitalProblem loansCompare
Buckeye Community BankBank Elyria, OH77 out of 100, Strong$238.3M12.9%0.01%vs
The Home Savings and Loan Company of Kenton, Ohio, DBA HSLCBank Kenton, OH75 out of 100, Strong$245.0M17.1%1.14%vs
First Federal Savings and Loan AssociationBank Delta, OH93 out of 100, Very strong$246.0M16.5%0.00%vs
1st National BankBank Lebanon, OH61 out of 100, Moderate$247.2M9.6%0.74%vs
Hometown BankBank Kent, OH54 out of 100, Below average$254.9M8.2%0.61%vs
The Hicksville BankBank Hicksville, OH71 out of 100, Strong$220.6M9.4%0.00%vs

Deposit insurance

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

Yes. The First National Bank of Sycamore is an FDIC-insured institution (FDIC certificate #6706). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 22.3% of deposits ($46.2M) 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 9.96%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 16.63% (benchmark: 10%).

Check how much of your own balance is covered

4 locations

Branches

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

  • Mccutchenville, OH (1)
  • New Riegel, OH (1)
  • Sycamore, OH (1)
  • Tiffin, OH (1)

All branch addresses and map

Identity & history

Profile

Legal name
The First National Bank of Sycamore
Type
National bank
FDIC certificate #
6706
RSSD ID
553926
Primary regulator
OCC
Holding company
Fnb Bancshares Inc
Established
July 1, 1919
Headquarters
141 S Sycamore Ave, Sycamore, OH 44882
Employees
30

Quick answers

The First National Bank of Sycamore: common questions

Is The First National Bank of Sycamore FDIC insured?

Yes. The First National Bank of Sycamore is an FDIC-insured institution (FDIC certificate #6706). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

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

75 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 Sycamore ever failed?

There is no failure record for FDIC certificate #6706 in the FDIC failed bank list.

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

4 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Sycamore

InstitutionScoreAssetsCapitalProblem loansCompare
First Bank of OhioBank Tiffin, OH90 out of 100, Very strong$278.4M35.5%0.26%vs
Carey Poverello Federal Credit UnionCredit union Carey, OH81 out of 100, Strong$32.7M12.9%0.34%vs
The First Citizens National Bank of Upper SanduskyBank Upper Sandusky, OH78 out of 100, Strong$389.9M12.6%0.01%vs
Sutton BankBank Attica, OH77 out of 100, Strong$1.7B10.0%0.02%vs
The Farmers State BankBank New Madison, OH75 out of 100, Strong$329.6M10.9%0.28%vs
Civista BankBank Sandusky, OH75 out of 100, Strong$4.3B12.7%0.92%vs