Bank · FDIC insured
First Central National Bank
A $97M bank headquartered in St. Paris, OH, with 4 branches in Ohio. Best rates: CDs 3.87% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: not enough terms or balances published to score. Savings: rates are not published online. Auto loans: no rates found on its website. Credit cards: no rates found on its website.
- CDs—3.87%CD rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About First Central National Bank
Established in 1880, The First Central National Bank is an independently and locally owned community bank headquartered in St. Paris, Ohio.
The institution formed in 1935 through the merger of First National Bank, opened in 1880, and Central National Bank, opened in 1906.
- Headquarters
- 103 S Springfield St, St. Paris, OH 43072
- FDIC certificate
- 15214 ↗
Branches
4 branches in Ohio
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Ohio
4 branches
St. Paris area · 1
- The First Central National Bank of St. ParisMain office103 S Springfield St, St. Paris, OH 43072Directions
Christiansburg area · 1
- Christiansburg BranchTwo East Pike Street, Christiansburg, OH 45389Directions
Rosewood area · 1
- Rosewood Branch11013 Ohio 29, Rosewood, OH 43070Directions
Urbana area · 1
- Urbana Branch1754 E Us Highway 36, Urbana, OH 43078Directions
Walk-in offices from the FDIC directory as of October 23, 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 | 18.89% | 12.77% | 16.04% or more |
| Troubled loansNoncurrent | 0.02% | 0.46% | 0.00% or less |
| ProfitabilityReturn on assets | 0.75% | 0.99% | 1.52% or more |
| LendingLoans per $100 deposited | $77 | $67 | — |
- CapitalLeverage ratio18.89%Peers’ middle 12.77% · Top 25% 16.04%+
- Troubled loansNoncurrent0.02%Peers’ middle 0.46% · Top 25% ≤0.00%
- ProfitabilityReturn on assets0.75%Peers’ middle 0.99% · Top 25% 1.52%+
- LendingLoans per $100 deposited$77Peers’ middle $67
Compared with the 546 banks with under $100 million 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 First Central National Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.