The First National Bank of Dennison: how it compares with its peers
Against 64 OH banks with half to twice its assets, The First National Bank of Dennison's strongest measure in Q2 2026 is net interest margin (4.91% vs. a 3.74% peer median). Its weakest relative measure is assets per employee ($4.7M vs. $5.9M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.61% | 0.95% | Bottom third Ahead of 27% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.91% | 3.74% | Top third Ahead of 94% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 84.64% | 72.23% | Bottom third Ahead of 19% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.7M | $5.9M | Bottom third Ahead of 11% of peers |
| Loans to deposits Net loans and leases over total deposits. | 65.03% | 82.80% | Context |
What it means for lending operations
Its efficiency ratio of 84.64% is above the 72.23% 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 Wilmington Savings Bank Wilmington, OH · $267M
- The Harrison Building and Loan Association Harrison, OH · $268M
- The Apple Creek Banking Company Apple Creek, OH · $271M
- Greenville Federal Greenville, OH · $264M
- First Bank of Central Ohio Worthington, OH · $261M
Questions about The First National Bank of Dennison
How big is The First National Bank of Dennison?
The First National Bank of Dennison, established in 1933, is headquartered in Dennison, OH. It reported $267M in total assets in its Q2 2026 FDIC call report and operates 5 offices.
What is The First National Bank of Dennison's return on assets?
0.61% annualized in Q2 2026, against a 0.95% median for 64 OH banks with half to twice its assets, ahead of 27% of them.
What is The First National Bank of Dennison's efficiency ratio?
84.64% in Q2 2026: it spent about 85 cents in noninterest expense for each dollar of revenue. The peer median is 72.23%, and lower is better.
Is The First National Bank of Dennison growing its loans?
Net loans grew 6.3% over the year to Q2 2026, while deposits shrank 2.6%.
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.