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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Lebanon, OH · FDIC certificate #6646
1ST NATIONAL BANK is an FDIC-insured institution based in Lebanon, OH (FDIC certificate #6646). In its Q3 2026 Call Report it reported total assets of $242M, total deposits of $211M and net loans of $168M. Its primary federal regulator is OCC.
Plain-language readout
1ST NATIONAL BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $253M in Q1 2026 and were lowest at $242M in Q3 2026.
Total deposits were highest at $221M in Q1 2026 and lowest at $211M in Q3 2026.
Over the whole period total assets fell 4.4%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $242M | $211M | $168M | 0.47% | 5.29% | 3.35% |
| Q2 2026 | $247M | $214M | $169M | 0.57% | 6.45% | 3.30% |
| Q1 2026 | $253M | $221M | $174M | 0.12% | 1.33% | 3.10% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $16.9M | $14.9M | +$2.1M | +13.8% |
| Federal funds sold | $2.3M | $6.6M | -$4.4M | -66.0% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $27.6M | $27.4M | +$190K | +0.7% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $4.3M | $4.0M | +$311K | +7.7% |
| Net loans and leases (after allowance) | $165.1M | $169.9M | -$4.9M | -2.9% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $11.8M | $11.9M | -$33K | -0.3% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $3.6M | $3.5M | +$78K | +2.2% |
| All other assets | $15.6M | $15.2M | +$405K | +2.7% |
| Total assets | $247.2M | $253.4M | -$6.2M | -2.5% |
| Liabilities | ||||
| Total deposits | $214.3M | $221.3M | -$7.1M | -3.2% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $5.0M | $5.0M | $0K | 0.0% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $4.9M | $4.9M | +$38K | +0.8% |
| Total liabilities | $224.2M | $231.2M | -$7.0M | -3.0% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $954K | $954K | $0K | 0.0% |
| Surplus | $2.3M | $2.3M | $0K | 0.0% |
| Retained earnings | $21.2M | $20.7M | +$489K | +2.4% |
| Accumulated other comprehensive income | -$1.4M | -$1.7M | +$333K | +19.7% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $23.0M | $22.2M | +$822K | +3.7% |
| Credit and capital | ||||
| Gross nonperforming assets | $1.3M | $908K | +$356K | +39.2% |
| Adjusted nonperforming assets | $1.1M | $708K | +$357K | +50.4% |
| Tangible equity plus allowance | $21.5M | $20.8M | +$703K | +3.4% |
| Texas ratio (gross) | 5.87% | 4.36% | +1.51 pts | See points |
| Texas ratio (adjusted) | 4.95% | 3.40% | +1.55 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 4.95% | 3.40% | +1.55 pts | See points |
| Tier 1 capital to risk-weighted assets | 14.71% | 14.09% | +0.62 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 14.71% | 14.09% | +0.62 pts | See points |
| Tier 2 capital to risk-weighted assets | 1.25% | 1.25% | -0.00 pts | See points |
| Total risk-based capital to risk-weighted assets | 15.96% | 15.35% | +0.62 pts | See points |
| Tier 1 leverage (approximate) | 9.56% | 9.17% | +0.39 pts | See points |
| Construction and land loans to total capital | 33.62% | 36.67% | -3.05 pts | See points |
| Commercial real estate to total capital | 132.81% | 141.54% | -8.73 pts | See points |
| Dividend payout, year to date | 90.85% | 662.67% | -571.82 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -9.45% | -11.42% | +1.96 pts | See points |
| Liquidity | ||||
| Core deposits | $193.3M | $200.8M | -$7.5M | -3.7% |
| Non-core funding | $26.0M | $25.5M | +$426K | +1.7% |
| Loans to core deposits | 86.48% | 85.68% | +0.80 pts | See points |
| Loans to deposits | 78.02% | 77.73% | +0.28 pts | See points |
| Brokered deposits share of deposits | 2.34% | 2.26% | +0.07 pts | See points |
| Pledged securities share of securities | 0.00% | 0.00% | 0.00 pts | See points |
| Loans pledged, share of loans | 92.24% | 94.45% | -2.21 pts | See points |
| Volatile liabilities | $32.3M | $32.9M | -$568K | -1.7% |
| Earnings | ||||
| Earnings before provision, year to date | $732K | $100K | +$632K | +632.0% |
| Earnings before provision, single quarter | $632K | $100K | +$532K | +532.0% |
| Provision for credit losses, year to date | $0K | $25K | -$25K | -100.0% |
| Yield and cost | ||||
| Yield on loans and leases | 5.84% | 5.57% | +0.27 pts | See points |
| Yield on interest-bearing balances due from banks | 3.96% | 2.44% | +1.52 pts | See points |
| Total interest income to average assets | 4.74% | 4.49% | +0.25 pts | See points |
| Cost of interest-bearing transaction accounts | 2.20% | 2.05% | +0.14 pts | See points |
| Cost of savings and money market deposits | 1.98% | 1.83% | +0.15 pts | See points |
| Cost of time deposits | 3.70% | 3.93% | -0.23 pts | See points |
| Total interest expense to average assets | 1.73% | 1.78% | -0.05 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $242M | $211M | $168M | 0.47% | 5.29% | 3.35% |
| 2026-06-30 | $247M | $214M | $169M | 0.57% | 6.45% | 3.30% |
| 2026-03-31 | $253M | $221M | $174M | 0.12% | 1.33% | 3.10% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| OH | $225.4M | 0.04% | 98 | Continuing · -0.01 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.