1st National Bank is headquartered in Lebanon and is the 85th largest bank in the state of Ohio. It is also the 2,849th largest bank in the nation. It was established in 1907 and as of December of 2019, it had grown to 75 employees at 10 locations. 1st National Bank's money market rates are 2X the national average, and it has an A 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 2019
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| FDIC Certificate # | 6646 |
| Year Established | 1907 |
| Employees | 75 |
| Primary Regulator | OCC |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.78% |
| Return on Equity - YTD | 9.05% |
| Annual Interest Income | $7.7MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q4 2019vs Q4 2018 | $203.2MM$178.8MM |
| Loans | Q4 2019vs Q4 2018 | $138.0MM$129.8MM |
| Deposits | Q4 2019vs Q4 2018 | $179.4MM$150.7MM |
| Equity Capital | Q4 2019vs Q4 2018 | $17.1MM$16.0MM |
| Loan Loss Allowance | Q4 2019vs Q4 2018 | $1.3MM$1.2MM |
| Unbacked Noncurrent Loans | Q4 2019vs Q4 2018 | $778.00K$1.4MM |
| Real Estate Owned | Q4 2019vs Q4 2018 | $298.00K$184.00K |