Side-by-side · Q2 2026 data
The First Central National Bank of St. Paris vs Ih Credit Union, Inc.
Bank
The First Central National Bank of St. Paris
St. Paris, Ohio · Under $100 million in assets
Metric by metric
| Measure | The First Central National Bank of St. Paris | Ih Credit Union, Inc. |
|---|---|---|
| TellerScore | 87 (stronger) | 74 |
| Capital cushion | 100 | 100 |
| Loan quality | 99 (stronger) | 43 |
| Earnings | 50 | 57 (stronger) |
| Funding & liquidity | 84 | 85 (stronger) |
| Problem-loan coverage | 100 (stronger) | 87 |
| Peer percentile | 84th | 63rd |
| Total assets | $97.0M | $362.7M |
| Deposits / shares | $76.8M | $274.1M |
| Capital ratio | 18.89% (stronger) | 16.04% |
| Problem loans | 0.02% (stronger) | 1.70% |
| Net charge-offs | 0.00% (stronger) | 1.06% |
| Return on assets | 0.75% | 0.91% (stronger) |
| Loans ÷ deposits | 76.2% | 75.6% (stronger) |
| Uninsured deposits | 10.6% | 0.0% (stronger) |
| Offices | 4 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 3.3% |
The First Central National Bank of St. Paris has the higher TellerScore (87 vs 74). On the 7 directional measures above (where higher or lower is clearly better), The First Central National Bank of St. Paris leads on 4 and Ih Credit Union, Inc. on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.