Bank · FDIC insured
1st National Bank
A $247.2M bank headquartered in Lebanon, OH, with 8 branches in Ohio. Best rates: savings 0.25% APY.
1st National Bank Carrot Score
61
Carrot Score
Higher than 4% of U.S. banks and credit unions
#53 of 58 in Cincinnati, OH-KY-IN metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About 1st National Bank
1st National Bank is a community bank operating in Ohio with banking centers in Centerville, Lebanon, Liberty Township, Maineville, Mason, and Morrow.
- Headquarters
- 1000 E Main St, Lebanon, OH 45036
- FDIC certificate
- 6646 ↗
Branches
8 branches in Ohio
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Ohio
8 branches
Cincinnati area · 7
- 1st National BankMain office1000 E Main St, Lebanon, OH 45036Directions
- Fields-Ertel Branch9015 Fields Ertel Rd, Cincinnati, OH 45249Directions
- Walmart Lebanon Branch1530 Walmart Dr, Lebanon, OH 45036Directions
- Liberty Township Branch6876 Cincinnati Dayton Rd, Liberty Township, OH 45044Directions
- Maineville Branch11 E Us 22 And 3, Maineville, OH 45039Directions
- Mason Branch7451 S Mason Montgomery Rd, Mason, OH 45040Directions
- Morrow Branch541 W Pike St, Morrow, OH 45152Directions
Dayton area · 1
- Centerville Krogers Branch1095 S Main St, Centerville, OH 45458Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 9.56% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.74% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 0.57% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $80 | $81 | — |
- CapitalLeverage ratio9.56%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.74%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets0.57%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$80Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of 1st National Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.