FDIC Cert #6528 · Bellevue, Ohio · Est. 1875

The First National Bank of Bellevue - FDIC Bank Health Profile

This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.

Compiled from official public sources by the publisher.
$309M
Total assets
F
Health grade · At Risk
-1.85%
Return on assets
9.0%
Tier 1 capital

Data updated July 2026

The verdict

The First National Bank of Bellevue earns a PlainBankData health grade of F (34/100), with 9.04% Tier 1 capital, -1.85% ROA, 80% efficiency ratio.

#2,445
largest of 4,313 FDIC banks by assets
43rd
percentile by asset size, nationally
9.04%
Tier 1 ratio - below the 10% well-capitalized line
1st
percentile for profitability (ROA), nationally

A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.

FDIC Call Report plate

Cert 6528 · OH F · 34/100

GRADE-F · BOTTOM-DECILE · PHOTO-FINISH · TIER1-ADEQ · TEXAS-CLEAN · ROA-LOSS · SIZE-MID · BOOK-FULL

  • GRADE-F F (34/100)
  • BOTTOM-DECILE #4265/4307
  • PHOTO-FINISH Slovenian Savings an… · PA
  • TIER1-ADEQ 9.0% Tier 1
  • TEXAS-CLEAN 9.8% Texas
  • ROA-LOSS -1.85% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Ohio: Slovenian Savings and Loan Association of Franklin-Conemaugh, PA (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around The First National Bank of Bellevue

Lowest and highest poles plus nearest scored peers outside Ohio, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Farmers State Bank · IL · ne…35/100Bank of Little Rock · AR · n…34/100Gogebic Range Bank · MI · ne…34/100Slovenian Savings an… · PA ·…34/100The First National B… · OH ·…34/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around The First National Bank of Bellevue · July 2026

Call Report read for The First National Bank of Bellevue in a high-failure state

The First National Bank of Bellevue (FDIC Cert #6528) carries a PlainBankData health grade of F at 34/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #4,265 of 4,307. Tier 1 capital prints at 9.04%, missing the 10% well-capitalized line. The Texas Ratio is 9.77%, inside the sub-50% band analysts treat as healthy. Return on assets is -1.85%. Balance-sheet scale is $309M, 2,445th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Slovenian Savings and Loan Association of Franklin-Conemaugh (PA), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around The First National Bank of Bellevue

9 FAILURE resolutions in Ohio since 2000, heavy vs the state corpus

The First National Bank of Bellevue sits in one of the heavier post-2000 FAILURE states (9 resolutions; latest year 2019). The list below is state history from the Failed Bank List, not a claim about The First National Bank of Bellevue's current Call Report.

  • RESOLUTE BANK MAUMEE, OH 2019 → BUCKEYE STATE BANK
  • COLUMBIA SAVINGS BANK CINCINNATI, OH 2014 → UNITED FIDELITY BANK, FSB
  • BRAMBLE SAVINGS BANK MILFORD, OH 2010 → FOUNDATION BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Ohio banks.

How The First National Bank of Bellevue's 34/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10034/100
The First National Bank of Bellevue's composite health score
Tier 1 Capital Ratio (9.04%) 18/40
Return on Assets (ROA) (-1.85%) 0/25
Texas Ratio (9.77%) 16/20
Efficiency Ratio (80.21%) 0/15

34 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$309M

Total balance-sheet footings

Total Deposits

$278M

Customer-funded liabilities

Net Loans

$171M

Outstanding loan book

Net Income

$-5,781K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 7.64% 9.04% 10.44%
Basel III capital ratios - The First National Bank of Bellevue

Where The First National Bank of Bellevue ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The First National Bank of Bellevue's score of 34/100 falls in the highlighted band.

The First National Bank of Bellevue: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

34 1st percentile higher than 1% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). This entry sits in this band. 40–50: 98 FDIC-insured banks (2%). Above this entry. 50–60: 279 FDIC-insured banks (6%). Above this entry. 60–70: 777 FDIC-insured banks (18%). Above this entry. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. The First National Bank of Bellevue 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

The First National Bank of Bellevue's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). The First National Bank of Bellevue's $309M falls in the highlighted band.

Capital & credit buffers at The First National Bank of Bellevue

Tier 1 capital ratio
Well-capitalized 10%

9.04% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
9.04%
Texas Ratio
9.77%
Equity Capital
$29M

What these ratios mean →

Profitability metrics: The First National Bank of Bellevue

Return on Assets (ROA)
1st percentile nationally
-1.85%
Return on Equity (ROE)
-21.48%
Efficiency Ratio
80.21%

What these mean →

Income & expense: loss period at The First National Bank of Bellevue

$15M
Interest Income
$913K
Non-Interest Income
$9M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. The First National Bank of Bellevue reports a Texas Ratio of 9.77% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

9.77% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

What to watch at The First National Bank of Bellevue

The First National Bank of Bellevue's grade of F reflects specific pressure points in the FDIC Call Report. The bank reported negative net income of $-5,781K for the period, a loss that, if sustained, erodes the equity cushion. Its Tier 1 capital ratio of 9.04% is below the 10% "well-capitalized" benchmark.

Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at The First National Bank of Bellevue up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.

FDIC Failed Bank List → View The First National Bank of Bellevue on FDIC BankFind →

Top banks in Ohio by total assets

Largest banks headquartered in Ohio
  1. 1
    JPMorgan Chase Bank $3.75T

    Columbus, OH · Grade A

  2. 2
    U.S. Bank $676.1B

    Cincinnati, OH · Grade A

  3. 3
    The Huntington National Bank $224.0B

    Columbus, OH · Grade A

  4. 4
    Fifth Third Bank $213.7B

    Cincinnati, OH · Grade A

  5. 5
    KeyBank $181.7B

    Cleveland, OH · Grade A

Top 5 banks in Ohio ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($309M here), outside Ohio so the neighborhood is not state containment.

Citizens State Bank of Loyal $309M · WI Wray State Bank $309M · CO Grant County Bank $309M · KS Bay Bank $310M · WI

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The First National Bank of Bellevue (FDIC Cert #6528) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

The First National Bank of Bellevue Call Report profile · FDIC Failed Bank List · Ohio FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Ohio

All Ohio banks →
BankAssetsGradeROA
JPMorgan Chase Bank, National AssociationColumbus $3.75T A 1.34%
U.S. Bank National AssociationCincinnati $676.1B A 1.18%
The Huntington National BankColumbus $224.0B A 1.20%
Fifth Third Bank, National AssociationCincinnati $213.7B A 1.34%
KeyBank National AssociationCleveland $181.7B A 1.17%
First Financial BankCincinnati $21.0B A 1.53%
Third Federal Savings and Loan Association of ClevelandCleveland $17.5B A 0.51%
The Park National BankNewark $9.7B A 1.90%