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1st National Bank OH Rates & Review October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| iEditorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Rates Last Updated and Verified: October 12, 2026

1st National Bank OH's top rates as of October 12, 2026 are 3.40% APY on its 11-Months 11-Month CD, 0.50% APY on savings, 2.75% APY on money market accounts, 0.01% APY on checking, and auto loans from 7.80% APR, according to rates verified by MonitorBankRates. Other 1st National Bank OH CD rates include 5-Months 5-Month CD at 3.35%, 11-Months 11-Month CD at 2.90%, and 5-Months 5-Month CD at 2.85%. MonitorBankRates evaluates the financial stability of 1st National Bank OH with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.63%. Rates last updated and verified on 10/12/2026.

1st National Bank OH money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at 1st National Bank OH? Share your experience about 1st National Bank OH by leaving a review below, or read customer reviews before you decide to use 1st National Bank OH.

MonitorBankRates Verified Healthy Badge Q2 2026 Verified Healthy Q2 2026 Use This Badge on Your Bank Website
Overall Health & Safety Grade ?
A+
Exceptional Health Score: 98/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
4.63%
Excellent Lower than avg
Health Trend ?
Improving 12 quarters
Full history ›
1st National Bank
1000 E Main St
Lebanon, OH 45036
https://WWW.BANKWITH1ST.COM
MemberFDIC
Customer Reviews
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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

1st National Bank OH CD Rates

Product Rate APY Term View More
11 Month CD 3.35% 3.40% 11 Months
Details Relationship Pricing*
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 3.40% APY · checked 2 times
2.90%3.40%3.90%Oct 8, 2026: 3.40% APYOct 8, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.63%
5 Month CD 3.30% 3.35% 5 Months
Details Relationship Pricing*
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 3.35% APY · checked 2 times
2.85%3.35%3.85%Oct 8, 2026: 3.35% APYOct 8, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.63%
11 Month CD 2.86% 2.90% 11 Months
Details Without Relationship Pricing*
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 2.90% APY · checked 2 times
2.40%2.90%3.40%Oct 8, 2026: 2.90% APYOct 8, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.63%
5 Month CD 2.82% 2.85% 5 Months
Details Without Relationship Pricing*
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 2.85% APY · checked 2 times
2.35%2.85%3.35%Oct 8, 2026: 2.85% APYOct 8, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.63%

1st National Bank OH Savings Rates

Product Rate APY View More
Savings 0.50% 0.50%
Min Balance $25,000
Details Balance: over $24,999
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 0.50% APY · checked 2 times
0.00%0.50%1.00%Oct 8, 2026: 0.50% APYOct 8, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.63%
Savings 0.15% 0.15%
Min Balance $10,000
Details Balance: over $9,999
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 0.15% APY · checked 2 times
0.00%0.33%0.65%Oct 8, 2026: 0.15% APYOct 8, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.63%
Savings 0.05% 0.05%
Min Balance $0
Details Balance: up to $9,999
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 8, 2026: 0.05% APYOct 8, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.63%

1st National Bank OH Money Market Rates

Product Rate APY View More
Money Market Account 2.71% 2.75%
Min Balance $100,000
Details Balance: $100,000+
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 2.75% APY · checked 2 times
2.25%2.75%3.25%Oct 8, 2026: 2.75% APYOct 8, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.63%
Money Market Account 2.47% 2.50%
Min Balance $50,000
Details Balance: $50,000 to $99,999
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 2.50% APY · checked 2 times
2.00%2.50%3.00%Oct 8, 2026: 2.50% APYOct 8, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.63%
Money Market Account 1.00% 1.00%
Min Balance $25,000
Details Balance: $25,000 to $49,999
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Oct 8, 2026: 1.00% APYOct 8, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.63%
Money Market Account 0.25% 0.25%
Min Balance $10,000
Details Balance: $10,000 to $24,999
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 0.25% APY · checked 2 times
0.00%0.38%0.75%Oct 8, 2026: 0.25% APYOct 8, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.63%
Money Market Account - 0.05%
Min Balance $0
Details Balance: up to $9,999
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 8, 2026: 0.05% APYOct 8, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.63%

1st National Bank OH Checking Rates

Product Rate APY View More
Checking Accounts with interest 0.01% 0.01%
No additional details.
Last Updated 10/12/2026
Rate History
No change since Sep 24, 2026 · 0.01% APY · checked 5 times
0.00%0.26%0.51%Sep 24, 2026: 0.01% APYSep 24, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.63%

1st National Bank OH Auto Loan Rates

Product Rate Points APR Term View More
2021 - NEW Auto and Truck Loan 7.50% - 7.80% 60 Months
Details Loan Fee: $250
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 7.80% APR · checked 2 times
7.30%7.80%8.30%Oct 8, 2026: 7.80% APROct 8, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.63%
2019 - 2020 Auto and Truck Loan 8.00% - 8.37% 48 Months
Details Loan Fee: $250
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 8.37% APR · checked 2 times
7.87%8.37%8.87%Oct 8, 2026: 8.37% APROct 8, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.63%
2021 - NEW Auto and Truck Loan 7.50% - 8.41% 72 Months
Details Loan Fee: $250
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 8.41% APR · checked 2 times
7.91%8.41%8.91%Oct 8, 2026: 8.41% APROct 8, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.63%
2021 - NEW Auto and Truck Loan - - 8.54% 84 Months
Details Loan Fee: $250
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 8.54% APR · checked 2 times
8.04%8.54%9.04%Oct 8, 2026: 8.54% APROct 8, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.63%

1st National Bank OH RV, Boat and Powersport Loan Rates

Product Rate APR Term View More
Recreational Vehicle Loans--Motorhomes, Trailers and Boats - New - 9.42% 120 Months
Details Model Year: New
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 9.42% APR · checked 6 times
8.92%9.42%9.92%Sep 16, 2026: 9.42% APRSep 16, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.63%
Motorcycle and ATV Loans - 2021-NEW - 9.55% 60 Months
Details Model Year: 2021-NEW
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 9.55% APR · checked 6 times
9.05%9.55%10.05%Sep 16, 2026: 9.55% APRSep 16, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.63%
Motorcycle and ATV Loans - Pre-2021 9.50% 9.98% 36 Months
Details Model Year: Pre-2021
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 9.98% APR · checked 6 times
9.48%9.98%10.48%Sep 16, 2026: 9.98% APRSep 16, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.63%
Recreational Vehicle Loans--Motorhomes, Trailers and Boats - Used 10.75% 11.01% 72 Months
Details Model Year: Used
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 11.01% APR · checked 6 times
10.51%11.01%11.51%Sep 16, 2026: 11.01% APRSep 16, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.63%
Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

1st National Bank OH’s Texas Ratio fell from 9.28% in Q3 2023 to 4.63% in Q2 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 3.5 to 5.0 and its Health Grade from B- to A+. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

0% 1.0★ 4.1% 2.0★ 8.3% 3.0★ 12.4% 4.0★ 16.5% 5.0★ 15% Verified Healthy limit – lower is healthier Healthy zone 9.28% B- Q3 2023 B+ Q4 2023 A- Q1 2024 A+ Q2 2024 A+ Q3 2024 A+ Q4 2024 A+ Q1 2025 A+ Q2 2025 A+ Q3 2025 A+ Q4 2025 A+ Q1 2026 4.63% A+ Q2 2026
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
Powered by MonitorBankRates

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$247M4.63%5.0A+
March 31, 2026$253M3.19%5.0A+
December 31, 2025$265M4.05%5.0A+
September 30, 2025$259M2.15%5.0A+
June 30, 2025$267M2.42%5.0A+
March 31, 2025$276M3.28%5.0A+
December 31, 2024$282M2.37%5.0A+
September 30, 2024$293M1.89%5.0A+
June 30, 2024$287M1.16%4.8A+
March 31, 2024$290M1.65%4.3A-
December 31, 2023$290M7.36%4.3B+
September 30, 2023$309M9.28%3.5B-
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for 1st National Bank OH is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather 1st National Bank OH rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with 1st National Bank OH's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name 1st National Bank OH
FDIC Certificate # 6646
Address 1000 E Main St, Lebanon, OH 45036  ·  Warren
Website https://WWW.BANKWITH1ST.COM
Established 19070101
FDIC Insurance Date 19340101
Domestic Offices 8
Total Branches 8
Regulator OCC
FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+
Overall Health Grade Score: 98/100
5.0
Exceptional Out of 5.0 Stars
4.63%
Texas Ratio Nat'l avg: 5.85%
Return on Assets (ROA) 0.5733%
Return on Equity (ROE) 6.4500%
Non-Performing Loans (NPL) 0.51%
Total Assets $247,209,000
Total Deposits $214,254,000
Equity Capital $23,019,000
Net Income $732,000
Headquarters Lebanon
Total Branches and Offices 8
Source: FDIC  |  Last Updated 06/30/2026
MonitorBankRates Verified Healthy Badge Q2 2026
Q2 2026 MBR Health & Safety Badge

1st National Bank OH earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://monitorbankrates.com/banks/1st-national-bank-rates-review-6646">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>
Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for 1st National Bank OH yet. Feel free to create one below.
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Frequently Asked Questions About 1st National Bank OH

How many branches does 1st National Bank OH operate?

1st National Bank OH currently maintains approximately 8 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, 1st National Bank OH does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, 1st National Bank OH provides members with tools to manage their accounts and build a solid financial history.

Does 1st National Bank OH offer online and mobile banking?

Most modern institutions like 1st National Bank OH provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://WWW.BANKWITH1ST.COM.

Current 1st National Bank OH Rates

  • 12-Month CD2.90%
  • Savings0.50%
  • MMA2.75%
Retrieved from our database of financial products. Rates subject to change.

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