The First National Bank of Dennison, Ohio
Dennison, OH·RSSD 935719·FDIC 6574·bank:935719·CBLR opted in
- #86 of 160Total assets in Ohio
- 5offices
- 57employees
- #8 of 132Net interest margin in Ohio
Performance over time
23 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
FDIC reported categories · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at The First National Bank of Dennison, Ohio
2 of 25 FORFI signals stand out against 1223 similar banks, based on FDIC data for the quarter.
Commercial lending growing with steady creditStrength: Lending FORFI signal 2nd quarter+65.1%peers +0.9%+64.2 pp
The First National Bank of Dennison, Ohio's C&I loans grew faster than at similar banks, without a material rise in problem loans or net charge-offs.
| This institution | Peer median | Difference |
|---|---|---|
| Commercial and industrial loans, 12-month growth | ||
| +65.1% | +0.9% | +64.2 pp |
With internal data, FORFI would look at: Which new commercial borrowers do not yet hold operating deposits or treasury services with the institution.
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. The First National Bank of Dennison, Ohio itself is left out of every peer median and percentile. How signals work
Where The First National Bank of Dennison, Ohio differs most from peers
Efficiency ratio among the highest of similar banksContext: Efficiency86.2%peers 63.2%+23.0 pp
The First National Bank of Dennison, Ohio's efficiency ratio was 86.2%, compared with a median of 63.2% among 1220 similar banks: higher than 90% of them.
| This institution | Peer median | Difference |
|---|---|---|
| Efficiency ratio | ||
| 86.2% | 63.2% | +23.0 pp |
Not a flagged change: this is where the institution sits furthest from similar institutions this quarter. Peers: 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. The First National Bank of Dennison, Ohio itself is left out of every peer median and percentile. How signals work
Net charge-offs rising while the peer median holds steadyContext: Asset quality0.23%peers 0.00%+23 bps
The First National Bank of Dennison, Ohio's annualized net charge-off rate rose 21 bps over the past year to 0.23%. Among 1206 similar banks, the median was essentially unchanged.
| This institution | Peer median | Difference |
|---|---|---|
| Annualized net charge-off rate | ||
| 0.23% | 0.00% | +23 bps |
| 12-month change | ||
| +21 bps | 0 bps | +21 bps |
Not a flagged change: this is where the institution sits furthest from similar institutions this quarter. Peers: 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. The First National Bank of Dennison, Ohio itself is left out of every peer median and percentile. How signals work
1 more observation
- C&I lending growing faster than peersLending
Key facts
- The First National Bank of Dennison, Ohio is a bank headquartered in Dennison, Ohio. It reported $267 million in total assets for the quarter ended June 30, 2026.
- Deposits totaled $248 million, down 2.6% from a year earlier, and loans totaled $163 million, up 6.1%.
- Its net interest margin was 5.03% and its annualized return on assets was 0.58% for the quarter.
- Its cost of all deposits was 1.06%, compared with a median of 1.68% among 1213 similar banks with $100 million to $300 million in assets.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With The First National Bank of Dennison, Ohio's own data, FORFI would look at: Which new commercial borrowers do not yet hold operating deposits or treasury services with the institution.
Analysis workspaces
Sources and identifiers
- Institution
- The First National Bank of Dennison, Ohio · Bank
- Federal Reserve RSSD
- 935719
- FDIC certificate
- 6574
- Reporting period
- Peer group
- 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. The First National Bank of Dennison, Ohio itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
FDIC · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation | FDIC published reference |
|---|---|---|
| $393K | — | |
| $3.85M | — | |
| $662K | — | |
| $3.18M | — | |
| $241K | — | |
| $2.95M | — | |
| $25K | — | |
| $25K | — | |
| 0.58% | 0.58%ROAQ · Quarter | |
| 5.03% | 5.01%NIMYQ · Quarter | |
| 86.19% | 86.19%EEFFQR · adjusted · Quarter |
Credit-quality reconciliation · Source components agree. NALNLS (nonaccrual) + P9LNLS (90+ days accruing) = NCLNLS (noncurrent).
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-25T00:32:31.073937+00:00. Separate reference provenance is included in the export.