1st National Bank


Overview / Commentary
513-932-3221
1160 E. Main Street
Lebanon, OH 45036

1st National Bank is headquartered in Lebanon and is the 81st largest bank in the state of Ohio. It is also the 2,698th largest bank in the nation. It was established in 1907 and as of June of 2022, it had grown to 90 employees at 10 locations. 1st National Bank has a B health rating.

Reviews (6)

Great Community Bank

Posted by: |

I love 1st National Bank. They are a great community bank that frequently participates in community events. They have competitive rates and fantastic specials. Their staff is friendly and always willing to help. If you call their numbers you will have your call answered by a real person.

I love when they know me at my bank

When I visit the bank, it is a great feeling to be able to work with people who really want to help me be the best I can. I feel comfortable with their experience and I am not being constantly sold a product to meet quotas. The atmosphere is very different, there is no staff turnover, to the point where they all love their job and work.

Great personal banking for a small town

Recently. I went to our local bank 1st National to withdraw some money from my personal checking account. Our bank has a ATM right outside their doors which is normal for most banks but comes in very handy. I accidentally forgot to grab my card after taking my cash and receipt from the ATM. I didn't notice I was missing my debit card until the next day around 4:50. I was able to run over to the bank and ask them if there was anything they can do. Since my bank is part of a small town I was able to get service right away. They were able to print me out a new card within minutes so that I would not be without a debit card for the weekend. The following Monday they gave me a call and let me know that my debit card was in deed in the ATM but for safety measures they would close the card and print me a new card with a new number. They also furnished me with the upgraded debit card for free for the inconvenience even though it was my fault. Banking in a small town has its advantages. They know me personally as well as my family that also bank there. A lot of the employees also live in the small town so they see us or attend school functions for their children as well. We all look out for each other which makes it the best.

Very Bad Bank

This bank put false information on my credit report admitted it was an mistake on their part but refused to remove it horrible service in trying to fix the problem wouldn't recommend them to anyone.

Interest Rates For "Clients" Only

Posted by: |

If you're not a client, your rate is a mere pittance. Also , no way of opening an account online.

This Special Is NOT Correct

Called 3/21/17 and was told this rate is not correct and must be ERRONIOUSLY posted.



Health
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. 1st National Bank has a negative return on equity.

Health Grade Components

Overall
FDIC Certificate #6646
Year Established1907
Employees90
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD-0.84%
Return on Equity - YTD-11.9%
Annual Interest Income$3.7MM
Assets and Liabilities
AssetsQ2 2022vs Q2 2021$261.5MM$244.4MM
LoansQ2 2022vs Q2 2021$177.9MM$145.3MM
DepositsQ2 2022vs Q2 2021$217.8MM$214.4MM
Equity CapitalQ2 2022vs Q2 2021$16.2MM$20.4MM
Loan Loss AllowanceQ2 2022vs Q2 2021$2.0MM$2.5MM
Unbacked Noncurrent LoansQ2 2022vs Q2 2021$663.00K$2.6MM
Real Estate OwnedQ2 2022vs Q2 2021$0$0
Rates

Rates for 1st National Bank are currently being reviewed.

Locations


Cities: Centerville, Cincinnati, Franklin, Lebanon, Liberty Township, Loveland, Maineville, Mason, Morrow

Centerville Branches
Centerville Krogers Branch1095 S. Main StreetCenterville, OH 45458

Cincinnati Branches
Fields-Ertel Branch9015 Fields-Ertel RoadCincinnati, OH 45249

Franklin Branches
Towne Mall Branch3616 Dixie HighwayFranklin, OH 45005

Lebanon Branches
Walmart Lebanon Branch1530 Walmart DriveLebanon, OH 45036
1st National Bank1000 E Main StLebanon, OH 45036

Liberty Township Branches
Walmart West Chester Branch6876 Cincinnati Dayton RdLiberty Township, OH 45044

Loveland Branches
Eastgate Branch10600 Loveland Madeira RoadLoveland, OH 45140

Maineville Branches
Maineville Branch11 U.S. 22 and 3Maineville, OH 45039

Mason Branches
Mason Branch7451 Mason Montgomery RoadMason, OH 45040

Morrow Branches
Morrow Branch541 West Pike StreetMorrow, OH 45152

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