The First Central National Bank

Overview / Commentary
103 South Springfield
St. Paris, OH 43072

The First Central National Bank is headquartered in St. Paris and is the 133rd largest bank in the state of Ohio. It is also the 4,085th largest bank in the nation. It was established in 1880 and as of December of 2019, it had grown to 22 employees at 3 locations. The First Central National Bank has an A health rating.


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Additional 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

FDIC Certificate #15214
Year Established1880
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.77%
Return on Equity - YTD4.42%
Annual Interest Income$3.2MM
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$95.6MM$94.3MM
LoansQ4 2019vs Q4 2018$48.5MM$49.8MM
DepositsQ4 2019vs Q4 2018$77.1MM$77.2MM
Equity CapitalQ4 2019vs Q4 2018$16.9MM$15.7MM
Loan Loss AllowanceQ4 2019vs Q4 2018$471.00K$471.00K
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$140.00K$66.00K
Real Estate OwnedQ4 2019vs Q4 2018$0$0
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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

1.21%$100-IRA Savings
0.60%*$10k*-Health Savings Account
OTHER TIERS: 0.30% $1 - $3k | 0.45% $3k - $10k
0.10%$50-Statement Savings

The First Central National Bank Money Market Rates

0.10%*$2.5k*-Money Market
OTHER TIERS: 0.05% $1 - $2.5k

The First Central National Bank Checking Account Rates

0.10%*$2.5k*-Super N.O.W.
OTHER TIERS: 0.05% $1 - $2.5k
0.05%$1k-N.O.W. Checking

The First Central National Bank CD Rates

1.01%$1k-60 Month CD
0.85%$1k-48 Month CD
0.55%$1k-30 Month CD
0.40%$1k-24 Month CD
0.25%$1k-18 Month CD
0.15%$1k-12 Month CD
0.15%$1k-15 Month CD
0.10%$1k-182 Day CD

The First Central National Bank Locations
The First Central National Bank Of St. Paris103 South SpringfieldSt. Paris, OH 43072
Rosewood Branch11013 Ohio 29Rosewood, OH 43070
Christiansburg BranchTwo East Pike StreetChristiansburg, OH 45389

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