1st National Bank

Lebanon, Ohio, Warren County

$247M in total assets, the 2,767th largest of 4,309 US banks and 91st of 160 headquartered in Ohio.

At a glance

Compared with 95 banks headquartered in Ohio with $100 million to $1 billion in assets, as of June 30, 2026.

Measure	This bank	Percentile	Peer median
Total assets	$247M	43%	$269M
Loans	$171M	46%	$193M
Deposits	$214M	45%	$232M
Return on assets	0.64%	30%	0.91%
Net interest margin	3.30%	30%	3.74%
Efficiency ratio	87.7%	88%	71.5%
Equity to assets	9.31%	38%	10.45%
Loans to deposits	80%	44%	82%

Total assets grew 0.2% a year over the last 5 years and 5.6% a year over 10 years, without acquisitions.

8 branches in 4 counties.

County	Deposits	Market share	Rank
Warren County, OH	$196M	3.4%	9 of 19
Butler County, OH	$16M	0.2%	18 of 21
Montgomery County, OH	$2M	0.0%	20 of 20
Hamilton County, OH	$0K	0.0%	32 of 32

Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.

Net loss of 2 branches since 2016 (10 to 8, −20.0%). 1 opened, 0 acquired, 3 closed or sold.

Period	What happened	Opened or acquired	Closed or sold	Net change	Branches at end
Start of 2016	Starting point				10
2021	Opened Centerville	1	0	+1	11
2022	Closed Franklin and Lebanon	0	2	−2	9
2025	Closed Loveland	0	1	−1	8

Type	This bank	Peers
1-4 family residential	65%	50%
Commercial real estate	22%	22%
Construction and land	5%	5%
Multifamily	4%	4%
Business (C&I)	3%	9%
Consumer	1%	4%
Farmland	0%	5%

Type	This bank	Peers
Time deposits	35%	36%
Other interest-bearing	35%	46%
Noninterest-bearing	31%	18%

Brokered deposits are 2.3% of deposits (peers 3.6%).

Trailing four quarters, with the peer median.

Noncurrent loans exclude government-guaranteed portions.

Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/banks/1st-national-bank-lebanon-oh