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

1st National Bank is headquartered in Lebanon and is the 92nd largest bank in the state of Ohio. It is also the 3,220th largest bank in the nation. It was established in 1907 and as of June of 2018, it had grown to 68 employees at 10 locations. 1st National Bank's money market rates are 3X the national average, and it has an A health rating.

Reviews (4)

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

Posted by: cbr6861 | Apr 14, 2017

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

Health Grade Components

Overall
FDIC Certificate #6646
Year Established1907
Employees68
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.38%
Return on Equity - YTD4.04%
Annual Interest Income$3.0MM
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$170.2MM$159.8MM
LoansQ2 2018vs Q2 2017$124.3MM$114.1MM
DepositsQ2 2018vs Q2 2017$146.3MM$136.7MM
Equity CapitalQ2 2018vs Q2 2017$15.9MM$15.2MM
Loan Loss AllowanceQ2 2018vs Q2 2017$1.1MM$1.0MM
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$1.2MM$1.9MM
Real Estate OwnedQ2 2018vs Q2 2017$387.00K$617.00K
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.35%*$25k*-Savings Account
OTHER TIERS: 0.05% Up to $10k | 0.25% $10k - $25k

1st National Bank Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.30%*$100k*-Money Market Account
OTHER TIERS: 0.05% Up to $10k | 0.25% $10k - $25k | 0.55% $25k - $50k | 1.10% $50k - $100k

1st National Bank Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%$1k-Select Checking Account
0.05%$1k-1st Checking Account
0.05%$1k-Senior Checking Account

1st National Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.00%$1k-5 Year CD w/ Checking
2.75%$1k-4-5 Year CD w/ Checking
2.60%$1k-13 Month CD Special w/ Checking
2.50%$1k-3-4 Year CD w/ Checking
2.25%$1k-2-3 Year CD w/ Checking
2.25%$1k-19 Month CD Special w/ Checking
2.00%$1k-1-2 Year CD w/ Checking
1.50%$1k-19 Month CD Special w/o Checking
1.10%$1k-5 Year CD w/o Checking
1.00%$1k-6-12 Month CD w/ Checking
1.00%$1k-13 Month CD Special w/o Checking
0.80%$1k-4-5 Year CD w/o Checking
0.65%$1k-3-4 Year CD w/o Checking
0.50%$1k-2-3 Year CD w/o Checking
Locations


Cities: Cincinnati, Franklin, Lebanon, Maineville, Mason, Morrow, West Chester

Cincinnati Branches
Eastgate Branch4370 Eastgate Square DriveCincinnati, OH 45245
Fields-Ertel Branch9015 Fields-Ertel RoadCincinnati, OH 45249

Franklin Branches
Towne Mall Branch3616 Dixie HighwayFranklin, OH 45005

Lebanon Branches
Lebanon Annex Branch1160 East Main StreetLebanon, OH 45036
Walmart Lebanon Branch1530 Walmart DriveLebanon, OH 45036
1st National Bank730 East Main StreetLebanon, OH 45036

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

West Chester Branches
Walmart West Chester Branch8288 Cincinnati Dayton RoadWest Chester, OH 45069

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