1st National Bank: how it compares with its peers
Against 66 OH banks with half to twice its assets, 1st National Bank's strongest measure in Q2 2026 is net interest margin (3.30% vs. a 3.75% peer median). Its weakest relative measure is assets per employee ($4.1M vs. $5.9M).
| Measure | 1st National Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.57% | 0.98% | Bottom third Ahead of 24% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.30% | 3.75% | Bottom third Ahead of 30% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 87.75% | 72.23% | Bottom third Ahead of 14% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.1M | $5.9M | Bottom third Ahead of 5% of peers |
| Loans to deposits Net loans and leases over total deposits. | 79.08% | 81.73% | Context |
What it means for lending operations
Its efficiency ratio of 87.75% 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
- First Federal Savings and Loan Association Delta, OH · $246M
- The Home Savings and Loan Company of Kenton, Ohio, DBA HSLC Kenton, OH · $245M
- Hometown Bank Kent, OH · $255M
- The First National Bank of Sycamore Sycamore, OH · $239M
- Buckeye Community Bank Elyria, OH · $238M
- First Bank of Central Ohio Worthington, OH · $261M
Questions about 1st National Bank
How big is 1st National Bank?
1st National Bank, established in 1907, is headquartered in Lebanon, OH. It reported $247M in total assets in its Q2 2026 FDIC call report and operates 8 offices.
What is 1st National Bank's return on assets?
0.57% annualized in Q2 2026, against a 0.98% median for 66 OH banks with half to twice its assets, ahead of 24% of them.
What is 1st National Bank's efficiency ratio?
87.75% in Q2 2026: it spent about 88 cents in noninterest expense for each dollar of revenue. The peer median is 72.23%, and lower is better.
Is 1st National Bank growing its loans?
Net loans shrank 11.0% over the year to Q2 2026, while deposits shrank 4.9%.
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.