Total Assets
$247.2M
Total Deposits
$214.3M
Branches
8
Established
1907
1st National Bank is a bank headquartered in Lebanon, Ohio, established in 1907. It holds $247.2M in total assets across 8 branch locations. In our editorial opinion, based on public FDIC/NCUA data, 1st National Bank earns a TFS Financial Health Grade of C- (64.9/100) — our editorial assessment, not an official rating or financial advice.
TFS Health Grade
64.9 / 100
Average financial health
How we gradeTFS Health Grades are our editorial opinion based on public FDIC/NCUA data — not an official rating, not financial advice.
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Financial data through June 30, 2026. Updated by TFS August 28, 2026. Data sourced from FDIC BankFind Suite as of 2026-Q2. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from CFPB Consumer Complaint Database. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
| Branch | Address | City | State | Type |
|---|---|---|---|---|
| 1st National BankHQ | 1000 E Main St | Lebanon | OH | 11 |
| 1st National Bank | 1095 S Main St | Centerville | OH | 11 |
| 1st National Bank | 9015 Fields Ertel Rd | Cincinnati | OH | 11 |
| 1st National Bank | 1530 Walmart Dr | Lebanon | OH | 12 |
| 1st National Bank | 6876 Cincinnati Dayton Rd | Liberty Township | OH | 11 |
| 1st National Bank | 11 E Us 22 And 3 | Maineville | OH | 11 |
| 1st National Bank | 7451 S Mason Montgomery Rd | Mason | OH | 11 |
| 1st National Bank | 541 W Pike St | Morrow | OH | 11 |
Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from FDIC Enforcement Decisions and Orders / NCUA. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
TFS Financial Health Grades represent our editorial assessment based on publicly available data and our proprietary methodology. They do not represent financial advice or an official government rating. Data on this page is sourced from federal government databases and is believed to be accurate.
Benchmarked against 60 active, federally insured banks reporting in the same quarter and holding roughly 0.5×–2× its assets. Same-state and overlapping-market peers are prioritized.
TFS health score
64.9
Tier 1 capital ratio
9.56%
Return on assets
0.57%
Non-performing loans
0.74%
Efficiency ratio
87.75%
Asset growth (YoY)
-7.37%
Cincinnati, OH
$299.2B
Kent, OH
$254.9M
Complaint percentiles are intentionally withheld while TFS audits CFPB company matching and import coverage. Peer conclusions use complete same-quarter regulatory metrics only.