# 1ST NATIONAL BANK
LEBANON, OH · FDIC certificate 6646 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $247.2M | |
| Deposits | $214.3M | |
| Loans and leases | $171.5M | |
| Total equity | $23.0M | |
| Loans / deposits | 79.08% (p61 of band) | 73.59% |
| Liquid assets / assets | 18.91% (p19 of band) | |
| Uninsured deposits / deposits | 23.87% (p65 of band) | 19.81% |
| Brokered deposits | 2.02% | |
| Wholesale funding | 4.05% (p69 of band) | |
| FHLB advances / assets | 2.02% | |
| Tier 1 leverage | 9.56% (p18 of band) | 11.76% |
| Unrealized securities loss / equity | -10.01% (p40 of band) | -6.57% |
| AOCI / equity | 0.26% (p92 of band) | |
| ROA (annualized) | 0.57% (p20 of band) | 1.17% |
| Net interest margin | 3.30% (p21 of band) | 3.93% |
| Efficiency ratio | 87.75% (p87 of band) | |
| Noncurrent loans | 0.74% (p64 of band) | 0.36% |
| Net charge-offs (annualized) | 0.03% (p76 of band) | |
| Reserve coverage of noncurrent | 163.77% | |
| Real estate % of loans | 96% | |
| Construction % of loans | 38.63% (p71 of band) | |
| Auto loans | $1.4M (0.83% of loans; DQ 2.68%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -5.0% | |
| Employees | 60 | |

## Flags firing in the latest filing

- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 2 | charge-offs p90 |  |
| 2011-09 | 1 |  | charge-offs p90 |
| 2011-12 | 1 |  |  |
| 2012-03 | 4 | capital falling, losing money, charge-offs p90 |  |
| 2012-06 | 2 |  | losing money, charge-offs p90 |
| 2012-09 | 1 |  | capital falling |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 2 | charge-offs p90 |  |
| 2014-06 | 2 | construction >100% equity | charge-offs p90 |
| 2014-09 | 3 | capital falling |  |
| 2014-12 | 2 |  | construction >100% equity |
| 2015-03 | 2 | charge-offs p90 | capital falling |
| 2015-06 | 2 |  |  |
| 2015-09 | 3 | capital falling |  |
| 2015-12 | 3 |  |  |
| 2016-03 | 1 |  | charge-offs p90, capital falling |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | capital falling |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 3 | expense ratio p90 |  |
| 2017-06 | 2 |  | expense ratio p90 |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 0 |  | reserve under noncurrent, capital falling |
| 2018-06 | 2 | expense ratio p90, reserve under noncurrent |  |
| 2018-09 | 4 | capital falling, construction >100% equity |  |
| 2018-12 | 3 |  | construction >100% equity |
| 2019-03 | 2 |  | capital falling |
| 2019-06 | 2 | construction >100% equity | reserve under noncurrent |
| 2019-09 | 4 | capital falling, reserve under noncurrent |  |
| 2019-12 | 1 |  | expense ratio p90, construction >100% equity, reserve under noncurrent |
| 2020-03 | 1 | reserve under noncurrent | capital falling |
| 2020-06 | 1 |  |  |
| 2020-09 | 2 | NIM <2.5% |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 3 | losing money, expense ratio p90 | NIM <2.5% |
| 2021-09 | 1 |  | reserve under noncurrent, losing money |
| 2021-12 | 1 |  |  |
| 2022-03 | 6 | capital falling, losing money, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2022-06 | 4 | construction >100% equity | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2022-09 | 6 | leverage <7%, AOCI drag >20% of equity, securities losses >30% of equity | construction >100% equity |
| 2022-12 | 2 | construction >100% equity | capital falling, losing money, leverage <7%, AOCI drag >20% of equity, securities losses >30% of equity |
| 2023-03 | 2 |  |  |
| 2023-06 | 5 | wholesale funding >15%, leverage <7%, capital falling |  |
| 2023-09 | 6 | securities losses >30% of equity |  |
| 2023-12 | 3 |  | wholesale funding >15%, capital falling, securities losses >30% of equity |
| 2024-03 | 4 | losing money, NIM <2.5% | construction >100% equity |
| 2024-06 | 2 |  | leverage <7%, losing money |
| 2024-09 | 2 | assets shrinking | expense ratio p90 |
| 2024-12 | 1 |  | assets shrinking |
| 2025-03 | 1 | deposits shrinking | NIM <2.5% |
| 2025-06 | 2 | assets shrinking |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 3 | expense ratio p90 |  |
| 2026-06 | 1 |  | deposits shrinking, expense ratio p90 |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-05-06 [1st National Bank: In the Business of Relationships - newswire.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxOM05jV0JsblZSZHliYlVvUXVZaVVtWjBpeExvX285bTUtX09BZF91Qk5YdmZVNmZzRDdGdU4yTjdYUjBoRTVzR3NKSzRLalpqdHRWdGx4Sks4cEpPRnVKNV9Dd1RQOGtFbU9XVGhnblZ0WE9rNk5ldkl5WE0tR1B0X0xWaFdrZWhrSkFHT1ZMRVJvR2M?oc=5) · newswire.com
- 2026-08-07 [Iconic ‘1st’ National Bank sign shines again over downtown St. Paul - Yahoo](https://news.google.com/rss/articles/CBMiigFBVV95cUxPdlczUFM2WUsydU5PTHZialB4UFF5a1ZjWXVTd2xIdnF1STQ3dXg4azZGV2VMX3RXYmpOQWhyY3o2bGtNb09LQVBQcmYteDR0Yk1JXzh5ZG1FY2hvZUw0bVkzVEQyNmxWajI4Y1lRS1BhaS1uZ0lfS0FTdHdiX1cydzBzOFhDNktENXc?oc=5) · Yahoo
- 2026-03-18 [OCC Ends Restrictions on 4 Banks - PYMNTS.com](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNcEhZWlRaS19jelVJSlgydzZwV1RhZFN5VGJmVzltTkpDSHFaMG5LQTRONFY2TEdVZHZkeEZkT0pkMVdQd1NaNWtZeC1DT3ZWdWlldi15WDlpaWVxN3Q4eURJZWh6cHZOQUtsMWxicTFULWF5RTFVVnluOHFxWXBSOVZ3UlFYODZ2aGNB?oc=5) · PYMNTS.com
- 2025-04-01 [1st National Bank of Scotia Announces Leadership Shift - Capital Region Chamber of Commerce](https://news.google.com/rss/articles/CBMimAFBVV95cUxOUzh5b2dxb3dEYnRZMnliUUdFQWgxemVxRlhtR2FaX0w1UlhnRktQc1lRR2lDUHBnOUwwTXRXLUJmTm5Kb05XY08tRTUwZVVraS1qMnZIQnI1NUlQZGNCbjlrN3dMQUUzTzFJaG4tV2Z3ZlJGamdLektLODFOSXA0R19IcnhWRHpLTHUxWGJOR1hHOHpYT1h3TQ?oc=5) · Capital Region Chamber of Commerce
- 2022-11-11 [1st National Bank of Scotia BizSpotlight - Albany Business Review - The Business Journals](https://news.google.com/rss/articles/CBMikgFBVV95cUxNRUZ2b2xMSndMbUtjaXJzWkJubVJvOEtpRC1mNU1aYUNxb01feVhCRDI4SmwzN2hjaGNtbVFkV1NZSUV0MHlVbXdXeWQtcFlmaWh5cW5sc0w4WnBjaTFPeVFseG9qeDhfUG9pcUNVMVR6bm1OTlQ4c0RoMURGNGFVYU9Ra1pkcGhETW9YWXk0QVRQZw?oc=5) · The Business Journals
- 2022-12-06 [1st National Bank Bemidji Celebrating 125th Anniversary - Lakeland PBS](https://news.google.com/rss/articles/CBMifkFVX3lxTFBnZUtLNlRwb1J4QUdCeW9FM3dyX1lVU3Z6SlRiTlAxb0hKbXJiRzIzOEIwYjd3ak11cWd3dDhSNUpUY3g0dFl3eHhra2FZU21aSEdvaGU4RjFtN3N5dlA2cW9JcmF2XzE0WmFpQ29VR3M1NXhHa3N2bjJxSDEwUQ?oc=5) · Lakeland PBS
- 2023-11-18 [1st National Bank of Scotia celebrates 100 years, renovations - Times Union](https://news.google.com/rss/articles/CBMingFBVV95cUxPVHZZNFNXcTNKTXFOWmFvMFZQOTdPeTJZdUJEelBoLXk5bnNoc2pFaXQtVlJGRkg3S2pyNkhMOVBGR0JNY25QTEVYalRCaGF1RWgxVC15X1E3MTllazZnVUFMaWdRVUF5SnkwamZ3UVNVczJmdkRCOHhnN3BaOE1IaVlXQ0YyWHZFU3FGMzR6SjNMcTdyNFpKX3UwUFY1Zw?oc=5) · Times Union
- 2025-09-08 [The First National Bank of Mount Dora celebrates a century in Mount Dora - Daily Commercial](https://news.google.com/rss/articles/CBMi1wFBVV95cUxPUlY0aEZHa2hlTkJ0Y251bW9CcUphNkVIcENQeDNKbEhTV3locS1OenlrUFhhNDV5eDFjaGhUcTkyMElvaG95cVlvZDNwVUJyRnBzVnNseDl2UUNtOTVZdi1BeXlsM3ltWWx5T3VTSi1xNWwzNVlob0ZqaFdkZ2F3WjFFQ1lXenRMVUZhSENIMHltUVFIRWVmUTRWUUdkSWR3TzVCQW85WElTX3l4dG1fOXR0RTNNbl9kTEk3QUF1aklGbmcxQ2xDMDdudmNGSGJRdUVLTmd3OA?oc=5) · Daily Commercial

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=6646 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/54.json (key "6646", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide