1st National Bank

730 East Main Street
Lebanon, OH 45036

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 6646
Date Established 1907
Assets $0.16 billion
Loans $0.11 billion
Deposits $0.14 billion
Capital $0.02 billion

1st National Bank is an FDIC insured institution located in Lebanon, OH. It was founded in 1907 and has approximately $0.16 billion in assets. Customers can open an account at one of its 10 branches.

For a more detailed analysis of 1st National Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in 1st National Bank’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Small Business Loans.

Compared to other banks in Ohio, 1st National Bank has a significantly higher percent of Construction and Development Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 56.94
Multifamily
Mortgages
6.42
Credit Card Loans 0.00
Consumer Auto Loans 0.31
Small Business Loans 18.57
Construction and Development Loans 9.81
Commercial Real Estate 24.48
Commercial and Industrial Loans 2.38
Farm Loans 0.00

Savings Rates

Your Current Location: Virginia, VA 20146

There are currently no rates available for 1st National Bank, but see these great savings and CD rates:


Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for 1st National Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2017

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
4.248% 4.180% 0.50 $2,049 $1,220 Learn More
Rocket Mortgage
NMLS ID: 3030
4.248% 4.180% 0.50 $2,049 $1,220 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2017

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 3.240% $217.33 Learn More

Note to 1st National Bank
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Branches

1st National Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


1st National Bank Locations

Financial Details

1st National Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of 1st National Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
1st National Bank U.S. Bank Average
17.47% 8.45

The Texas Ratio compares the amount of loans at risk and the amount of owned real estate with the amount a bank has on hand to cover any losses. As of June 30, 2017, 1st National Bank had $2,227,000 in non-current loans and $617,000 in owned real estate. To cover these potential losses it had $15,240,000 in equity and $1,036,000 in loans loss reserves. That gives it a Texas Ratio of 17.47%. The closer the Texas Ratio is to 100% and over, the less capital and reserves a bank has to absorb its loan losses.

Return on Equity
1st National Bank U.S. Bank Average
4.41% 8.58

1st National Bank has a Return on Equity of 4.41% versus the BestCashCow average of 8.58. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
1st National Bank U.S. Bank Average
9.54% 12.11

1st National Bank has a Capitalization of 9.54% versus the BestCashCow average of 12.11. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

1st National Bank Balance Sheet Analysis

As of June 30, 2017, 1st National Bank had assets of $159,802,000, loans of $114,098,000, and deposits of $136,723,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Frequently Asked Questions About 1st National Bank

Branches and Savings

Is 1st National Bank FDIC insured?

Yes. It is covered under FDIC Certificate #6646.

Why does 1st National Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are 1st National Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is 1st National Bank a commercial bank?

Yes

Where are 1st National Bank locations?

See branch locations nearby.

Is 1st National Bank open on Saturdays?

Is 1st National Bank open on Sundays?

What time does 1st National Bank open?

What time does 1st National Bank close?

Are 1st National Bank ATMs Open 24/7?

Do 1st National Bank ATMs accept cash deposits?

Can 1st National Bank customers use other ATMs?

Do 1st National Bank branches have notaries?

Will 1st National Bank notarize my document?

What address for 1st National Bank should I put for incoming ACH transfers?

Will the 1st National Bank branch print checks?

Do 1st National Bank checks expire?

Does 1st National Bank require US citizenship to open account?

Can 1st National Bank close my account?

Does 1st National Bank Report to credit bureaus?

Does 1st National Bank Use Equifax?

What is 1st National Bank's ACH Routing Number?

What is 1st National Bank's SWIFT code?

Products

Does 1st National Bank offer mortgages?

Compare mortgage rates here.

Does 1st National Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does 1st National Bank offer personal loans?

Compare personal loan rates here.

Does 1st National Bank offer student loans?

Will 1st National Bank cash a check?

Will 1st National Bank redeem a savings bond?

Does 1st National Bank cash savings bonds?

Will 1st National Bank cash money orders?

Can 1st National Bank issue a money order?

Does 1st National Bank do currency exchange?

Background on The Bank

Who owns 1st National Bank?

How long has 1st National Bank been around?

Can 1st National Bank transfer to other banks?

Does 1st National Bank have quick pay?

Does 1st National Bank accept rolled coins?

Will 1st National Bank accept loose change?

Where is 1st National Bank headquarters?

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