BlastPoint's Banking Scorecard
1st National Bank
Micro
Specialty: Other
OH
FDIC cert 6646
Designations: ✓ Community bank
Lebanon, OH
2498
banks in Micro tier nationally
102 in OH
View Micro leaderboard (OH) →
1st National Bank demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest Income / Assets 1.32% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$265.4M
-5.8% YoY
+2.6% QoQ
|
+$47.9M |
$217.5M
+2.3% YoY
|
$33.1B
+6.9% YoY
|
$5.9B
+6.5% YoY
|
65% |
| Total Loans ? |
$182.7M
-10.9% YoY
-2.1% QoQ
|
+$43.5M |
$139.2M
+2.8% YoY
|
$14.9B
+8.3% YoY
|
$3.1B
+8.5% YoY
|
69% |
| Total Deposits ? |
$232.6M
-7.2% YoY
+2.5% QoQ
|
+$48.9M |
$183.7M
+1.8% YoY
|
$24.6B
+5.7% YoY
|
$4.7B
+6.3% YoY
|
67% |
| Return on Assets ? |
0.65%
+64.3% YoY
+1.2% QoQ
|
-0.43% |
1.08%
+14.7% YoY
|
0.85%
+32.0% YoY
|
1.12%
+15.6% YoY
|
25% |
| Net Interest Margin ? |
2.97%
+24.1% YoY
+2.8% QoQ
|
-0.88% |
3.85%
+6.6% YoY
|
3.56%
+10.4% YoY
|
3.75%
+7.1% YoY
|
16% |
| Efficiency Ratio ? |
84.87%
-5.3% YoY
-0.2% QoQ
|
+17.14% |
67.73%
-4.8% YoY
|
71.79%
-6.6% YoY
|
65.09%
-5.1% YoY
|
Bottom 14% in tier |
| Delinquency Rate ? |
0.62%
+155.3% YoY
+69.8% QoQ
|
-0.02% |
0.64%
+24.4% YoY
|
0.53%
+11.7% YoY
|
0.66%
+20.3% YoY
|
40% |
| Loan-to-Deposit Ratio ? |
78.53%
-4.0% YoY
-4.5% QoQ
|
+4.00% |
74.53%
+0.5% YoY
|
81.05%
+0.1% YoY
|
78.04%
+0.7% YoY
|
54% |
| Non-Interest-Bearing Deposit Share ? |
32.20%
+18.0% YoY
+8.0% QoQ
|
+9.81% |
22.39%
-1.3% YoY
|
17.48%
-2.0% YoY
|
21.79%
-1.3% YoY
|
84% |
| Nonperforming Asset Ratio ? |
0.42%
+141.5% YoY
+62.2% QoQ
|
-0.03% |
0.45%
+25.1% YoY
|
0.34%
+9.4% YoY
|
0.48%
+20.8% YoY
|
42% |
| Tier 1 Capital Ratio ? |
13.80%
+15.8% YoY
+2.3% QoQ
|
+4.95% |
8.85%
-3.4% YoY
|
9.14%
+0.8% YoY
|
9.75%
-1.9% YoY
|
67% |
| Non-Interest Income / Assets ? |
1.88%
-7.3% YoY
+30.0% QoQ
|
+1.32% |
0.56%
+0.3% YoY
|
0.55%
+0.1% YoY
|
0.65%
+0.6% YoY
|
Top 3% in tier |
Signature Analysis
Strengths (1)
Non-Interest Income / Assets
metric
Top 3%
in Micro
Why this stands out
Current:
1.88%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
97
97th pctile
Non-Interest Income / Assets
Current: 1.88% · Tier avg: 0.56%
84
84th pctile
Non-Interest-Bearing Deposit Share
Current: 32.20% · Tier avg: 22.39%
69
69th pctile
Total Loans
Current: $182.7M · Tier avg: $139.2M
67
67th pctile
Tier 1 Capital Ratio
Current: 13.80% · Tier avg: 8.85%
67
67th pctile
Total Deposits
Current: $232.6M · Tier avg: $183.7M
65
65th pctile
Total Assets
Current: $265.4M · Tier avg: $217.5M
54
54th pctile
Loan-to-Deposit Ratio
Current: 78.53% · Tier avg: 74.53%
42
42th pctile
Nonperforming Asset Ratio
Current: 0.42% · Tier avg: 0.45%
40
40th pctile
Delinquency Rate
Current: 0.62% · Tier avg: 0.64%
25
25th pctile
Return on Assets
Current: 0.65% · Tier avg: 1.08%
16
16th pctile
Net Interest Margin
Current: 2.97% · Tier avg: 3.85%
14
14th pctile
Efficiency Ratio
Current: 84.87% · Tier avg: 67.73%
Top Weaknesses
14
14th pctile
Efficiency Ratio
Current: 84.87% · Tier avg: 67.73%
16
16th pctile
Net Interest Margin
Current: 2.97% · Tier avg: 3.85%
25
25th pctile
Return on Assets
Current: 0.65% · Tier avg: 1.08%
40
40th pctile
Delinquency Rate
Current: 0.62% · Tier avg: 0.64%
42
42th pctile
Nonperforming Asset Ratio
Current: 0.42% · Tier avg: 0.45%
54
54th pctile
Loan-to-Deposit Ratio
Current: 78.53% · Tier avg: 74.53%
65
65th pctile
Total Assets
Current: $265.4M · Tier avg: $217.5M
67
67th pctile
Total Deposits
Current: $232.6M · Tier avg: $183.7M
67
67th pctile
Tier 1 Capital Ratio
Current: 13.80% · Tier avg: 8.85%
69
69th pctile
Total Loans
Current: $182.7M · Tier avg: $139.2M
84
84th pctile
Non-Interest-Bearing Deposit Share
Current: 32.20% · Tier avg: 22.39%
97
97th pctile
Non-Interest Income / Assets
Current: 1.88% · Tier avg: 0.56%