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 (4.3 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.2 has resulted in Good (5.4) profitability.
Other Rating Factors:
Excellent current capitalization (9.4 on a scale of 0 to 10) based on a risk-based capital ratio of 22.8 and a capital leverage ratio of 10.6. A current level of 1.6 percent of nonperforming loans to core capital combined with 0.2 percent from a year earlier contributes to the Excellent asset quality (8.9).
Asset Mix:
Home mtgs (47%), securities (20%), cash (9%), comm re (6%), consumer loans (3%), home eq lns (2%), comm loans (2%), other (10%)
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
There are no affiliate to display.