C
1st National Bank
LebanonOH
Rating Date
March 2026
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings 1st National Bank
Lebanon, OH
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Rating C
Asset Quality Index 6.90
Capitalization Index 7.20
Liquidity Index 1.30
Profitability Index 3.10
Stability Index 4.10
Company Info 1st National Bank
Lebanon, OH
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FDIC Number 6646
Phone Number (513) 932-3221
Website www.bankwith1st.com/
Asset Quality 1st National Bank
Lebanon, OH
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1-Year Asset Growth -5.79%
5-Year Asset Growth 0.45%
5-Year Charge-Offs to Average Loans 0.03%
Charge-Offs to Average Loans 0.05%
Non-Performing Assets to Assets 0.32%
Non-Performing Loans to Capital 3.50%
Non-Performing Loans to Loans 0.46%
Balance Sheet 1st National Bank
Lebanon, OH
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Total Assets 265.41M
Total Deposits 232.61M
Capital and Reserves 1st National Bank
Lebanon, OH
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Capital 22.89M
Leverage Ratio 9.11
Loan Loss Reserves to Loans 1.14%
Risk-Based Capital Ratio 15.05
Liquidity 1st National Bank
Lebanon, OH
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Hot Money Ratio 20.27%
Liquidity Ratio 15.87%
Profitability 1st National Bank
Lebanon, OH
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5-Year Return on Average Assets 0.65%
Net Income 1.77M
Net Interest Spread 3.00%
Operating Profit to Average Assets 0.66%
Overhead Efficiency Ratio 84.87%
Return on Assets 0.66%
Return on Equity 8.20%