1st National Bank

Overview / Commentary
1160 E. Main Street
Lebanon, OH 45036

1st National Bank is headquartered in LEBANON and is the 75th largest bank in the state of Ohio. It is also the 2,535th largest bank in the nation. It was established in 1907 and as of December of 2023, it had grown to 60 employees at 9 locations. 1st National Bank's money market rates are 8X the national average, and it 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 Grade Components

FDIC Certificate #6646
Year Established1907
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.23%
Return on Equity - YTD3.84%
Annual Interest Income$13.1MM
Assets and Liabilities
AssetsQ4 2023vs Q4 2022$290.4MM$277.1MM
LoansQ4 2023vs Q4 2022$215.3MM$192.7MM
DepositsQ4 2023vs Q4 2022$252.7MM$227.6MM
Equity CapitalQ4 2023vs Q4 2022$18.7MM$17.6MM
Loan Loss AllowanceQ4 2023vs Q4 2022$2.1MM$2MM
Unbacked Noncurrent LoansQ4 2023vs Q4 2022$1.2MM$421K
Real Estate OwnedQ4 2023vs Q4 2022$181K$180K
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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

0.50%*$25k*-Savings Account
OTHER TIERS: 0.05% Up to $10k | 0.15% $10k - $25k

1st National Bank Money Market Rates

3.50%*$100k*-Money Market Account
OTHER TIERS: 0.05% Up to $10k | 0.25% $10k - $25k | 1.00% $25k - $50k | 1.50% $50k - $100k

1st National Bank Checking Account Rates

0.05%$1k-1st Checking Account
0.05%$1k-Senior Checking Account

1st National Bank CD Rates

5.00%$1k-15 Month CD w/ Relationship Pricing
4.75%$1k-6-12 Month CD w/ Relationship Pricing
4.50%$1k-1-2 Year CD w/ Relationship Pricing
4.50%$1k-15 Month CD
4.35%$1k-2-3 Year CD w/ Relationship Pricing
4.25%$1k-6 - 12 Month CD
4.15%$1k-5 Year CD w/ Relationship Pricing
4.00%$1k-1-2 Year CD
3.85%$1k-2-3 Year CD
3.75%$1k-4-5 Year CD w/ Relationship Pricing
3.65%$1k-5 Year CD
3.25%$1k-4-5 Year CD

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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