The First Central National Bank of St. Paris
St. Paris, OH
IDRSSD: 538222
Total Assets
$98.18M
Latest filing
Total Deposits
$78.02M
Latest filing
Net Interest Margin
3.91%
Profitability
Key People
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Locations
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Main Office
The First Central National Bank of St. Paris
103 S Springfield St
St. Paris, OH 43072
Full Service - Brick and Mortar
Updated 01/30/2026Established 08/08/1880FDIC Certificate 9570
Branches (3)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| The First Central National Bank of St. Paris (Main) | 103 S Springfield St | St. Paris, OH |
| CHRISTIANSBURG BRANCH | Two East Pike Street | Christiansburg, OH |
| ROSEWOOD BRANCH | 11013 Ohio 29 | Rosewood, OH |
| URBANA BRANCH | 1754 E Us Highway 36 | Urbana, OH |
Showing 3 of 3
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 | 08/08/1880 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 43072 |
| State and County Number | 39021 |
| Subchapter S Corporations | No |
| 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 | Urbana, OH |
Operational Info
| Number of Employees | 23 |
| Domestic Offices | 4 |
| 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.firststparis.com |
| Data Updated | 01/30/2026 |
| CERT | 15214 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $98.18M |
| Total Deposits | $78.02M |
| Total Liabilities | $79.54M |
| Total Equity Capital | $18.64M |
| Net Income | $206.00k |
| Net Loans and Leases | $57.49M |
| Assets Per Employee ($Millions) | $4.27M |
| Bank Premises and Fixed Assets | $1.81M |
| Cash and Balances due from Depository Institutions | $0 |
| Deposits Held in Domestic Offices | $78.02M |
Key Performance Ratios
| Return on Assets (ROA) | 0.84% |
| Return on Equity (ROE) | 4.39% |
| Net Interest Margin | 3.91% |
| Efficiency Ratio | 74.66% |
| Tier 1 Risk-Based Capital Ratio | 29.288% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 18.983% |
| Earning Assets to total Assets | 89.11% |
Income and Expense
| Total Interest Income | $1.09M |
| Total Noninterest Income | $95.00k |
| Total Interest Expense | $235.00k |
| Total Noninterest Expense | $710.00k |
| Net Interest Income | $856.00k |
| Pre-tax Net Operating Income | $241.00k |
| Provision for Credit Losses | $0 |
| 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 | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $4.15M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.52M |
| Total Liabilities and Capital | $98.18M |
Securities
| Securities | $19.15M |
| Available-for-sale debt securities | $19.15M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of The First Central National Bank of St. Paris?
$98.18M as of the latest filing.
How much are The First Central National Bank of St. Paris's total deposits?
$78.02M in total deposits.
Where is The First Central National Bank of St. Paris located?
St. Paris, OH.
What is the Net Interest Margin?
3.91%.
How many domestic offices does it operate?
4.
When was it established?
08/08/1880.
What is the Return on Assets (ROA)?
0.84%.
How much are total loans and leases?
$57.49M (latest filing).
What is the total interest income (latest filing)?
$1.09M.