Overview / Commentary
The First Central National Bank is headquartered in St. Paris and is the 130th largest bank in the state of Ohio. It is also the 4,156th largest bank in the nation. It was established in 1880 and as of June of 2019, it had grown to 20 employees at 3 locations. The First Central National Bank's CD rates are 62% higher than the national average, and it has a B+ health rating.
Health
B+
Data as of Q2 2019
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 | 20 |
| Primary Regulator | OCC |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.79% |
| Return on Equity - YTD | 4.59% |
| Annual Interest Income | $1.6MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q2 2019vs Q2 2018 | $94.0MM$94.5MM |
| Loans | Q2 2019vs Q2 2018 | $48.4MM$50.1MM |
| Deposits | Q2 2019vs Q2 2018 | $75.8MM$77.8MM |
| Equity Capital | Q2 2019vs Q2 2018 | $16.7MM$15.3MM |
| Loan Loss Allowance | Q2 2019vs Q2 2018 | $471.00K$471.00K |
| Unbacked Noncurrent Loans | Q2 2019vs Q2 2018 | $252.00K$66.00K |
| Real Estate Owned | Q2 2019vs Q2 2018 | $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 | |
|---|---|---|---|---|---|
| 1.85% | $100 | - | IRA Savings | ||
| 1.00%* | $10k* | - | Health Savings Account | ||
| OTHER TIERS: 0.80% → $1 - $3k | 0.95% → $3k - $10k | |||||
| 0.20% | $50 | - | Statement Savings | ||
The First Central National Bank Money Market Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 0.20% | $2.5k | - | Money Market |
The First Central National Bank Checking Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 0.20% | $2.5k | - | Super N.O.W. | |
| 0.15% | $1k | - | N.O.W. Checking |
The First Central National Bank CD Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 2.38% | $1k | - | 48 Month CD | |
| 2.07% | $1k | - | 30 Month CD | |
| 1.77% | $1k | - | 24 Month CD | |
| 1.71% | $1k | - | 18 Month CD | |
| 1.49% | $1k | - | 15 Month CD | |
| 1.46% | $1k | - | 12 Month CD | |
| 0.60% | $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 |