The First Central National Bank of St. Paris: how it compares with its peers
Against 50 OH banks with half to twice its assets, The First Central National Bank of St. Paris's strongest measure in Q2 2026 is net interest margin (3.82% vs. a 3.66% peer median). Its weakest relative measure is assets per employee ($4.0M vs. $5.6M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.75% | 0.78% | Middle third Ahead of 48% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.82% | 3.66% | Middle third Ahead of 58% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 76.84% | 77.84% | Middle third Ahead of 52% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.0M | $5.6M | Bottom third Ahead of 14% of peers |
| Loans to deposits Net loans and leases over total deposits. | 76.17% | 78.03% | Context |
What it means for lending operations
Its efficiency ratio of 76.84% is better than the 77.84% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- The First National Bank of Germantown Germantown, OH · $96M
- Bank419 Metamora, OH · $98M
- Home National Bank Racine, OH · $95M
- Peoples First Savings Bank Mason, OH · $100M
- The Ottoville Bank Company Ottoville, OH · $94M
- The Citizens National Bank of McConnelsville Mcconnelsville, OH · $102M
Questions about The First Central National Bank of St. Paris
How big is The First Central National Bank of St. Paris?
The First Central National Bank of St. Paris, established in 1880, is headquartered in St. Paris, OH. It reported $97M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is The First Central National Bank of St. Paris's return on assets?
0.75% annualized in Q2 2026, against a 0.78% median for 50 OH banks with half to twice its assets, ahead of 48% of them.
What is The First Central National Bank of St. Paris's efficiency ratio?
76.84% in Q2 2026: it spent about 77 cents in noninterest expense for each dollar of revenue. The peer median is 77.84%, and lower is better.
Is The First Central National Bank of St. Paris growing its loans?
Net loans grew 8.3% over the year to Q2 2026, while deposits grew 2.1%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are OH banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Ohio bank ranked.