1st National Bank (FDIC #6646): Bank Stress & Real-Estate Credit Exposure
1st National Bank (FDIC Cert #6646): bank stress 81/100, severe, STABLE over 7 days.
1st National Bank (#6646) lends in 4 counties across 1 state; 1st National Bank (#6646) reaches 125 ZIP codes: Ohio 4 counties, 125 ZIPs.
1st National Bank (#6646) largest markets: Hamilton County, OH (58 branches, 58 ZIPs) (#6646), Montgomery County, OH (42 branches, 42 ZIPs) (#6646), Warren County, OH (120 branches, 24 ZIPs) (#6646), Butler County, OH (18 branches, 18 ZIPs) (#6646).
1st National Bank (#6646) reports $247.2 million in total assets; 1st National Bank (#6646) equity $23.0 million (9.3% of 1st National Bank (#6646) assets); 1st National Bank (#6646) domestic deposits $214.3 million; 1st National Bank (#6646) net income $732,000; 1st National Bank (#6646) return on assets 0.57%; 1st National Bank (#6646) return on equity 6.45%; 1st National Bank (#6646) net interest income $3.7 million; 1st National Bank (#6646) call report June 30, 2026.
1st National Bank (#6646) noncurrent real-estate loans: none reported; 1st National Bank (#6646) net charge-offs on real estate 0.77%; 1st National Bank (#6646) residential charge-offs 0.24%.
1st National Bank (#6646) net interest margin 3.30% against an eight-quarter 1st National Bank (#6646) average of 2.81% (1st National Bank (#6646) compression -0.48 points); 1st National Bank (#6646) non-residential real estate 24.3% of equity; 1st National Bank (#6646) rate-exposure score 40/100, 1st National Bank (#6646) fixed-rate trap 40/100; 1st National Bank (#6646) risk type credit driven; 1st National Bank (#6646) rate regime rates elevated, 1st National Bank (#6646) snapshot October 19, 2026.
1st National Bank (#6646) stress score moved from 90.7 on June 22, 2026 to 81.5 on October 20, 2026; 1st National Bank (#6646) ranged 81.5 to 90.7 over 117 snapshots.
1st National Bank (#6646) alerts: 4 counties; top 1st National Bank (#6646) alert scores: Morrow County, OH 45 (moderate); Cincinnati County, OH 26 (low); Dayton County, OH 26 (low); Middletown County, OH 26 (low).