1st National Bank
Lebanon, OH
IDRSSD: 480723
Total Assets
$265.41M
Latest filing
Total Deposits
$232.61M
Latest filing
Net Interest Margin
3.27%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
042208006LEBANON, OH
Key People
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Locations
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Main Office
1st National Bank
1000 E Main St
Lebanon, OH 45036
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1907FDIC Certificate 4454
Branches (7)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| 1st National Bank (Main) | 1000 E Main St | Lebanon, OH |
| FIELDS-ERTEL BRANCH | 9015 Fields Ertel Rd | Cincinnati, OH |
| MORROW BRANCH | 541 W Pike St | Morrow, OH |
| MAINEVILLE BRANCH | 11 E Us 22 And 3 | Maineville, OH |
| MASON BRANCH | 7451 S Mason Montgomery Rd | Mason, OH |
| LIBERTY TOWNSHIP BRANCH | 6876 Cincinnati Dayton Rd | Liberty Township, OH |
| WALMART LEBANON BRANCH | 1530 Walmart Dr | Lebanon, OH |
| CENTERVILLE KROGERS BRANCH | 1095 S Main St | Centerville, OH |
Showing 7 of 7
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 01/01/1907 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 45036 |
| State and County Number | 39165 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 04 |
| Numeric code | 3 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Cincinnati, OH-KY-IN |
Operational Info
| Number of Employees | 57 |
| Domestic Offices | 8 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | WWW.BANKWITH1ST.COM |
| Data Updated | 01/30/2026 |
| CERT | 6646 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $265.41M |
| Total Deposits | $232.61M |
| Total Liabilities | $242.52M |
| Total Equity Capital | $22.89M |
| Net Income | $452.00k |
| Net Loans and Leases | $182.66M |
| Assets Per Employee ($Millions) | $4.83M |
| Bank Premises and Fixed Assets | $11.91M |
| Cash and Balances due from Depository Institutions | $0 |
| Deposits Held in Domestic Offices | $232.61M |
Key Performance Ratios
| Return on Assets (ROA) | 0.69% |
| Return on Equity (ROE) | 8.02% |
| Net Interest Margin | 3.27% |
| Efficiency Ratio | 84.47% |
| Tier 1 Risk-Based Capital Ratio | 13.799% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.05% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.625% |
| Earning Assets to total Assets | 88.11% |
Income and Expense
| Total Interest Income | $3.11M |
| Total Noninterest Income | $1.25M |
| Total Interest Expense | $1.22M |
| Total Noninterest Expense | $2.65M |
| Net Interest Income | $1.89M |
| Pre-tax Net Operating Income | $452.00k |
| Provision for Credit Losses | $35.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $5.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $9.15M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $4.91M |
| Total Liabilities and Capital | $265.41M |
Securities
| Securities | $28.37M |
| Available-for-sale debt securities | $9.94M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $18.44M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of 1st National Bank?
$265.41M as of the latest filing.
How much are 1st National Bank's total deposits?
$232.61M in total deposits.
Where is 1st National Bank located?
Lebanon, OH.
What is the Net Interest Margin?
3.27%.
How many domestic offices does it operate?
8.
When was it established?
01/01/1907.
What is the Return on Assets (ROA)?
0.69%.
How much are total loans and leases?
$182.66M (latest filing).
What is the total interest income (latest filing)?
$3.11M.