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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Dennison, OH · FDIC certificate #6574
FIRST NB OF DENNISON is an FDIC-insured institution based in Dennison, OH (FDIC certificate #6574). In its Q3 2026 Call Report it reported total assets of $272M, total deposits of $256M and net loans of $160M. Its primary federal regulator is OCC.
Plain-language readout
FIRST NB OF DENNISON has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $272M in Q3 2026 and were lowest at $267M in Q2 2026.
Total deposits were highest at $256M in Q3 2026 and lowest at $248M in Q2 2026.
Over the whole period total assets rose 0.3%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $272M | $256M | $160M | 0.68% | 10.08% | 4.93% |
| Q2 2026 | $267M | $248M | $161M | 0.61% | 8.73% | 4.91% |
| Q1 2026 | $272M | $252M | $153M | 0.64% | 9.24% | 4.80% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $3.6M | $14.3M | -$10.7M | -74.7% |
| Federal funds sold | $1.8M | $3.8M | -$2.0M | -52.2% |
| 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) | $87.0M | $87.1M | -$106K | -0.1% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $228K | $0K | +$228K | n/a |
| Net loans and leases (after allowance) | $160.7M | $153.3M | +$7.4M | +4.8% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $4.0M | $3.4M | +$666K | +19.9% |
| 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) | $255K | $255K | $0K | 0.0% |
| All other assets | $9.7M | $9.4M | +$353K | +3.8% |
| Total assets | $267.4M | $271.5M | -$4.1M | -1.5% |
| Liabilities | ||||
| Total deposits | $247.5M | $252.1M | -$4.5M | -1.8% |
| 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 | $0K | $0K | $0K | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $662K | $794K | -$132K | -16.6% |
| Total liabilities | $248.2M | $252.9M | -$4.7M | -1.8% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $1.0M | $1.0M | $0K | 0.0% |
| Surplus | $1.9M | $1.9M | $0K | 0.0% |
| Retained earnings | $25.7M | $26.0M | -$284K | -1.1% |
| Accumulated other comprehensive income | -$9.4M | -$10.2M | +$791K | +7.7% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $19.2M | $18.7M | +$507K | +2.7% |
| Credit and capital | ||||
| Gross nonperforming assets | $350K | $166K | +$184K | +110.8% |
| Adjusted nonperforming assets | $350K | $166K | +$184K | +110.8% |
| Tangible equity plus allowance | $20.7M | $20.3M | +$441K | +2.2% |
| Texas ratio (gross) | 1.69% | 0.82% | +0.87 pts | See points |
| Texas ratio (adjusted) | 1.69% | 0.82% | +0.87 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 1.69% | 0.82% | +0.87 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 10.25% | 10.41% | -0.15 pts | See points |
| Construction and land loans to total capital | 5.50% | 7.55% | -2.05 pts | See points |
| Commercial real estate to total capital | 48.25% | 51.21% | -2.97 pts | See points |
| Dividend payout, year to date | 81.59% | 0.00% | +81.59 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -41.74% | -44.79% | +3.05 pts | See points |
| Liquidity | ||||
| Core deposits | $238.9M | $243.0M | -$4.1M | -1.7% |
| Non-core funding | $8.6M | $9.1M | -$437K | -4.8% |
| Loans to core deposits | 68.04% | 63.88% | +4.16 pts | See points |
| Loans to deposits | 65.67% | 61.58% | +4.09 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 17.98% | 17.77% | +0.22 pts | See points |
| Loans pledged, share of loans | 0.00% | 0.00% | 0.00 pts | See points |
| Volatile liabilities | $8.6M | $9.1M | -$437K | -4.8% |
| Earnings | ||||
| Earnings before provision, year to date | $1.0M | $561K | +$473K | +84.3% |
| Earnings before provision, single quarter | $473K | $561K | -$88K | -15.7% |
| Provision for credit losses, year to date | $50K | $25K | +$25K | +100.0% |
| Yield and cost | ||||
| Yield on loans and leases | 7.65% | 7.61% | +0.04 pts | See points |
| Yield on interest-bearing balances due from banks | 3.15% | 2.62% | +0.54 pts | See points |
| Total interest income to average assets | 5.51% | 5.41% | +0.10 pts | See points |
| Cost of interest-bearing transaction accounts | 0.73% | 0.74% | -0.01 pts | See points |
| Cost of savings and money market deposits | 0.87% | 0.86% | +0.01 pts | See points |
| Cost of time deposits | 3.19% | 3.19% | +0.00 pts | See points |
| Total interest expense to average assets | 0.95% | 0.96% | -0.01 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 | $272M | $256M | $160M | 0.68% | 10.08% | 4.93% |
| 2026-06-30 | $267M | $248M | $161M | 0.61% | 8.73% | 4.91% |
| 2026-03-31 | $272M | $252M | $153M | 0.64% | 9.24% | 4.80% |
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 | $254.1M | 0.04% | 87 | Continuing · -0.00 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.