The First National Bank of Blanchester
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (5.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.1 has resulted in Good (5.0) profitability.
Other Rating Factors:
A current level of 0.2 percent of nonperforming loans to core capital combined with 0.6 percent from a year earlier contributes to the Excellent asset quality (9.1). Excellent current capitalization (8.6 on a scale of 0 to 10) based on a risk-based capital ratio of 22.0 and a capital leverage ratio of 10.1.
Asset Mix:
Home mtgs (44%), securities (23%), cash (8%), comm re (6%), consumer loans (3%), home eq lns (2%), comm loans (2%), other (13%)
States with Branches:
OH
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
First Blanchester Bancshares, Inc.
Investment Rating
--
Address
121 East Main Street
Blanchester, OH 45107
Blanchester, OH 45107
Phone Number
(937) 783-2451
Year Founded
1907
FDIC Number
Website
Largest Affiliates
No affiliate information available.