1ST NATIONAL BANK

LEBANON, OH · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1907FDIC #6,646

Satisfactory Same

Current rating · Exam: May 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.12%

Institution Profile

FDIC BankFind

Website

WWW.BANKWITH1ST.COM

Address

1000 E Main St, LEBANON, OH

County

Warren County

Established

January 1, 1907

Total Assets

$253M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

May 19, 2025

Exam Type

Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)

What is a CRA rating? →

Estimated next exam:May 2030(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$253M

Total Deposits

$221M

Net Loans

$174M

Net Income

$75K

ROA

0.12%

Below avg for Small banks. Peer avg: 0.44%

ROE

1.33%

Risk-Based Capital

15.35%

Below avg for Small banks. Regulatory min: 8%

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

ROA0.12%Peer avg: 0.44%▼ Below avg

Risk-Based Capital15.35%Peer avg: 23.03%▼ Below avg

Mortgage Denial Rate1.53%Peer avg: 7.63%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$225M

1-Year Change

5-year net change: -1 branches

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	393	65.65%	1.53%
2023	435	70.11%	1.84%
2022	841	67.66%	1.55%
2021	1,805	64.54%	1.77%
2020	2,048	82.86%	1.07%
2019	1,147	80.91%	1.31%
2018	756	80.95%	3.31%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

Exam Date	Rating	Exam Type
May 2025	Satisfactory	Small Bank
Apr 2022	Satisfactory	Small Bank
Dec 2017	Satisfactory	Small Bank

5 previous ratings locked — back to 1993

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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