1st National Bank
Popular Accounts at this Bank
| APY | ACCOUNT TYPE | HOW THEY COMPARE |
|---|---|---|
| 1.10% | 5-year CD | 2.27% - National Average |
| 0.35% | Savings | 0.26% - National Average |
| 0.80% | 4-year CD | 1.99% - National Average |
1st National Bank is headquartered in Lebanon and is the 91st largest bank in the state of Ohio. It is also the 3,108th largest bank in the nation. It was established in 1907 and as of December of 2018, it had grown to 68 employees at 10 locations. 1st National Bank's money market rates are 2X the national average, and it has a B+ health rating.
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.
Interest Rates For "Clients" Only
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.
Data as of Q4 2018
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| FDIC Certificate # | 6646 |
| Year Established | 1907 |
| Employees | 68 |
| Primary Regulator | OCC |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.36% |
| Return on Equity - YTD | 3.96% |
| Annual Interest Income | $6.6MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q4 2018vs Q4 2017 | $178.8MM$169.9MM |
| Loans | Q4 2018vs Q4 2017 | $129.8MM$115.1MM |
| Deposits | Q4 2018vs Q4 2017 | $150.7MM$150.2MM |
| Equity Capital | Q4 2018vs Q4 2017 | $16.0MM$15.7MM |
| Loan Loss Allowance | Q4 2018vs Q4 2017 | $1.2MM$1.1MM |
| Unbacked Noncurrent Loans | Q4 2018vs Q4 2017 | $1.4MM$900.00K |
| Real Estate Owned | Q4 2018vs Q4 2017 | $184.00K$863.00K |
Always verify rates and promotions with the bank or credit union. We are not 1st National Bank; we are a rate comparison website and cannot provide official rates or promotions.
* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.
1st National Bank Savings Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 0.35%* | $25k* | - | Savings Account | ||
| OTHER TIERS: 0.05% → Up to $10k | 0.25% → $10k - $25k | |||||
1st National Bank Money Market Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 1.00%* | $100k* | - | Money Market Account | ||
| OTHER TIERS: 0.05% → Up to $10k | 0.25% → $10k - $25k | 0.55% → $25k - $50k | 0.85% → $50k - $100k | |||||
1st National Bank Checking Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 0.05% | $1k | - | Select Checking Account | |
| 0.05% | $1k | - | 1st Checking Account | |
| 0.05% | $1k | - | Senior Checking Account |
1st National Bank CD Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 1.30% | $1k | - | 5 Year CD w/ Checking | |
| 1.25% | $1k | - | 4-5 Year CD w/ Checking | |
| 1.10% | $1k | - | 3-4 Year CD w/ Checking | |
| 1.10% | $1k | - | 5 Year CD w/o Checking | |
| 1.00% | $1k | - | 2-3 Year CD w/ Checking | |
| 0.85% | $1k | - | 1-2 Year CD w/ Checking | |
| 0.80% | $1k | - | 4-5 Year CD w/o Checking | |
| 0.75% | $1k | - | 6-12 Month CD w/ Checking | |
| 0.65% | $1k | - | 3-4 Year CD w/o Checking | |
| 0.50% | $1k | - | 2-3 Year CD w/o Checking |
| Cincinnati Branches | ||
|---|---|---|
| Eastgate Branch | 4370 Eastgate Square Drive | Cincinnati, OH 45245 |
| Fields-Ertel Branch | 9015 Fields-Ertel Road | Cincinnati, OH 45249 |
| Franklin Branches | ||
|---|---|---|
| Towne Mall Branch | 3616 Dixie Highway | Franklin, OH 45005 |
| Lebanon Branches | ||
|---|---|---|
| Lebanon Annex Branch | 1160 East Main Street | Lebanon, OH 45036 |
| Walmart Lebanon Branch | 1530 Walmart Drive | Lebanon, OH 45036 |
| 1st National Bank | 730 East Main Street | Lebanon, OH 45036 |
| Maineville Branches | ||
|---|---|---|
| Maineville Branch | 11 U.S. 22 and 3 | Maineville, OH 45039 |
| Mason Branches | ||
|---|---|---|
| Mason Branch | 7451 Mason Montgomery Road | Mason, OH 45040 |
| Morrow Branches | ||
|---|---|---|
| Morrow Branch | 541 West Pike Street | Morrow, OH 45152 |
| West Chester Branches | ||
|---|---|---|
| Walmart West Chester Branch | 8288 Cincinnati Dayton Road | West Chester, OH 45069 |