🏦Bank Scorer

THE FIRST CENTRAL NATIONAL BANK OF ST. PARIS

ST. PARIS, OH · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1880FDIC #15,214
Satisfactory Same

Current rating · Exam: November 2021

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.70%

Institution Profile

FDIC BankFind

Address

103 S Springfield St, ST. PARIS, OH

County

Champaign County

Established

August 8, 1880

Total Assets

$99M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

November 8, 2021

Exam Type

Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)
What is a CRA rating? →
Estimated next exam:Nov 2026(based on asset size)
Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$99M

Total Deposits

$79M

Net Loans

$58M

Net Income

$172K

ROA

0.70%

ROE

3.69%

Risk-Based Capital

29.40%

Regulatory minimum: 8%

Branch Footprint

FDIC SOD 2025

Total Branches

4

Branch Deposits

$75M

1-Year Change

0

5-year net change: +1 branches

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

6 previous ratings locked — dating back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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