The First Central National Bank
LOCATIONS
3
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HEALTH RATING
A
View health report
CURRENT TOP RATE
2.07% APY
48 Month CD
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Popular Accounts at this Bank
| APY | ACCOUNT TYPE | HOW THEY COMPARE |
|---|---|---|
| 1.26% | 1-year CD | |
| 0.15% | Savings | |
| 2.07% | 4-year CD | 1.78% - National Average |
Overview / Commentary
The First Central National Bank is headquartered in St. Paris and is the 131st largest bank in the state of Ohio. It is also the 4,274th largest bank in the nation. It was established in 1880 and as of June of 2018, it had grown to 17 employees at 3 locations. The First Central National Bank's CD rates are 40% higher than the national average, and it has an A health rating.
Health
A
Data as of Q2 2018
Learn why bank health mattersAdditional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. The First Central National Bank has a relatively low asset base.
Health Grade Components
| Overall | |
|---|---|
| FDIC Certificate # | 15214 |
| Year Established | 1880 |
| Employees | 17 |
| Primary Regulator | OCC |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.73% |
| Return on Equity - YTD | 4.51% |
| Annual Interest Income | $1.6MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q2 2018vs Q2 2017 | $94.5MM$92.3MM |
| Loans | Q2 2018vs Q2 2017 | $50.1MM$50.3MM |
| Deposits | Q2 2018vs Q2 2017 | $77.8MM$75.3MM |
| Equity Capital | Q2 2018vs Q2 2017 | $15.3MM$15.6MM |
| Loan Loss Allowance | Q2 2018vs Q2 2017 | $471.00K$506.00K |
| Unbacked Noncurrent Loans | Q2 2018vs Q2 2017 | $66.00K$237.00K |
| Real Estate Owned | Q2 2018vs Q2 2017 | $0$0 |
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.
The First Central National Bank Savings Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 1.77% | $100 | - | IRA Savings | ||
| 0.95%* | $10k* | - | Health Savings Account | ||
| OTHER TIERS: 0.60% → $1 - $3k | 0.85% → $3k - $10k | |||||
| 0.15% | $50 | - | Statement Savings | ||
The First Central National Bank Money Market Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 0.15% | $2.5k | - | Money Market |
The First Central National Bank Checking Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 0.15% | $2.5k | - | Super N.O.W. | |
| 0.10% | $1k | - | N.O.W. Checking |
The First Central National Bank CD Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 2.07% | $1k | - | 48 Month CD | |
| 1.87% | $1k | - | 30 Month CD | |
| 1.63% | $1k | - | 24 Month CD | |
| 1.44% | $1k | - | 18 Month CD | |
| 1.26% | $1k | - | 12 Month CD | |
| 1.26% | $1k | - | 15 Month CD | |
| 0.80% | $1k | - | 182 Day CD |
Locations
| The First Central National Bank Locations | ||
|---|---|---|
| The First Central National Bank Of St. Paris | 103 South Springfield | St. Paris, OH 43072 |
| Rosewood Branch | 11013 Ohio 29 | Rosewood, OH 43070 |
| Christiansburg Branch | Two East Pike Street | Christiansburg, OH 45389 |