Side-by-side · Q2 2026 data
1st National Bank vs First Bank of Central Ohio
Metric by metric
| Measure | 1st National Bank | First Bank of Central Ohio |
|---|---|---|
| TellerScore | 61 (stronger) | 46 |
| Capital cushion | 46 | 49 (stronger) |
| Loan quality | 75 (stronger) | 51 |
| Earnings | 43 (stronger) | 11 |
| Funding & liquidity | 71 (stronger) | 55 |
| Problem-loan coverage | 90 (stronger) | 78 |
| Peer percentile | 20th | 5th |
| Total assets | $247.2M | $260.9M |
| Deposits / shares | $214.3M | $232.4M |
| Capital ratio | 9.56% | 9.86% (stronger) |
| Problem loans | 0.74% (stronger) | 1.48% |
| Net charge-offs | 0.05% (stronger) | 0.63% |
| Return on assets | 0.57% (stronger) | -0.23% |
| Loans ÷ deposits | 79.1% (stronger) | 84.9% |
| Uninsured deposits | 23.9% (stronger) | 33.4% |
| Offices | 8 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.6% | — |
1st National Bank has the higher TellerScore (61 vs 46). On the 7 directional measures above (where higher or lower is clearly better), 1st National Bank leads on 6 and First Bank of Central Ohio on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.