1st National Bank is headquartered in LEBANON and is the 77th largest bank in the state of Ohio. It is also the 2,572nd largest bank in the nation. It was established in 1907 and as of March of 2023, it had grown to 70 employees at 9 locations. 1st National Bank's money market rates are 8X the national average, and it has a B+ health rating.
Great Community Bank
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
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 Q1 2023
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| FDIC Certificate # | 6646 |
| Year Established | 1907 |
| Employees | 70 |
| Primary Regulator | OCC |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.04% |
| Return on Equity - YTD | 0.61% |
| Annual Interest Income | $2.9MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2023vs Q1 2022 | $280.0MM$245.1MM |
| Loans | Q1 2023vs Q1 2022 | $206.5MM$151.5MM |
| Deposits | Q1 2023vs Q1 2022 | $222.7MM$213.6MM |
| Equity Capital | Q1 2023vs Q1 2022 | $17.7MM$17.4MM |
| Loan Loss Allowance | Q1 2023vs Q1 2022 | $2.0MM$2.0MM |
| Unbacked Noncurrent Loans | Q1 2023vs Q1 2022 | $697.00K$676.00K |
| Real Estate Owned | Q1 2023vs Q1 2022 | $180.00K$0 |