The First National Bank of Bellevue: how it compares with its peers
Against 63 OH banks with half to twice its assets, The First National Bank of Bellevue's strongest measure in Q2 2026 is net interest margin (3.91% vs. a 3.64% peer median). Its weakest relative measure is return on assets (0.71% vs. 0.84%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.71% | 0.84% | Middle third Ahead of 37% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.91% | 3.64% | Middle third Ahead of 62% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 77.87% | 72.43% | Middle third Ahead of 37% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.5M | $6.3M | Middle third Ahead of 38% of peers |
| Loans to deposits Net loans and leases over total deposits. | 60.92% | 82.45% | Context |
What it means for lending operations
Its efficiency ratio of 77.87% is above the 72.43% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- The First National Bank of Pandora Pandora, OH · $299M
- SSB Community Bank Strasburg, OH · $297M
- First Federal Savings and Loan Association Newark, OH · $294M
- Somerville Bank Eaton, OH · $291M
- The Farmers State Bank New Madison, OH · $330M
- New Carlisle Federal Savings Bank New Carlisle, OH · $330M
Questions about The First National Bank of Bellevue
How big is The First National Bank of Bellevue?
The First National Bank of Bellevue, established in 1875, is headquartered in Bellevue, OH. It reported $310M in total assets in its Q2 2026 FDIC call report and operates 9 offices.
What is The First National Bank of Bellevue's return on assets?
0.71% annualized in Q2 2026, against a 0.84% median for 63 OH banks with half to twice its assets, ahead of 37% of them.
What is The First National Bank of Bellevue's efficiency ratio?
77.87% in Q2 2026: it spent about 78 cents in noninterest expense for each dollar of revenue. The peer median is 72.43%, and lower is better.
Is The First National Bank of Bellevue growing its loans?
Net loans shrank 5.4% over the year to Q2 2026, while deposits shrank 0.8%.
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.