FDIC Cert #6706 · Sycamore, Ohio · Est. 1919

The First National Bank of Sycamore - FDIC Bank Health Profile

A community-scale look at The First National Bank of Sycamore's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$233M
Total assets
A
Health grade · Excellent
1.04%
Return on assets
15.2%
Tier 1 capital

Data updated July 2026

The verdict

The First National Bank of Sycamore earns a PlainBankData health grade of A (88/100), with well-capitalized at 15.20% Tier 1, profitable at 1.04% ROA, 61% efficiency ratio.

#2,835
largest of 4,313 FDIC banks by assets
34th
percentile by asset size, nationally
15.20%
Tier 1 ratio - above the 10% well-capitalized line
46th
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 6706 · OH A · 88/100

GRADE-A · UPPER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-MID · BOOK-FULL

  • GRADE-A A (88/100)
  • UPPER-Q #1043/4307
  • PHOTO-FINISH Citizens Bank of Wes… · WV
  • TIER1-WELL 15.2% Tier 1
  • TEXAS-CLEAN 0.2% Texas
  • ROA-PAR 1.04% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Ohio: Citizens Bank of West Virginia, Inc., WV (±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 Sycamore

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

Morgan Stanley Bank,… · UT ·…100/100Citizens Bank of Wes… · WV ·…88/100Peoples Bank, Mt. Wa… · KY ·…88/100The Bank of Monroe · WV · ne…88/100The First National B… · OH ·…88/100The Putnam County Na… · NY ·…88/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around The First National Bank of Sycamore · July 2026

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

The First National Bank of Sycamore (FDIC Cert #6706) carries a PlainBankData health grade of A at 88/100, 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 #1,043 of 4,307. Tier 1 capital prints at 15.20%, clearing the 10% well-capitalized line. The Texas Ratio is 0.24%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.04%. Balance-sheet scale is $233M, 2,835th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Citizens Bank of West Virginia, Inc. (WV), 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 Sycamore

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

The First National Bank of Sycamore 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 Sycamore'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 Sycamore's 88/100 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 avg77/10088/100
The First National Bank of Sycamore's composite health score
Tier 1 Capital Ratio (15.20%) 40/40
Return on Assets (ROA) (1.04%) 20/25
Texas Ratio (0.24%) 20/20
Efficiency Ratio (60.54%) 8/15

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

Balance sheet at a glance

Total Assets

$233M

Total balance-sheet footings

Total Deposits

$203M

Customer-funded liabilities

Net Loans

$143M

Outstanding loan book

Net Income

$2M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 13.8% 15.2% 16.6%
Basel III capital ratios - The First National Bank of Sycamore

Where The First National Bank of Sycamore ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The First National Bank of Sycamore's score of 88/100 falls in the highlighted band.

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

0-100 composite health score, FDIC Call Reports

88 Top 24% higher than 76% 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%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. The First National Bank of Sycamore 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 Sycamore'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 Sycamore's $233M falls in the highlighted band.

Capital & credit buffers at The First National Bank of Sycamore

Tier 1 capital ratio
Well-capitalized 10%

15.20% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
15.20%
Texas Ratio
0.24%
Equity Capital
$19M

What these ratios mean →

Earnings posture at The First National Bank of Sycamore

Return on Assets (ROA)
46th percentile nationally
1.04%
Return on Equity (ROE)
13.93%
Efficiency Ratio
60.54%

What these mean →

Income & expense at The First National Bank of Sycamore

$11M
Interest Income
$553K
Non-Interest Income
$5M
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 Sycamore reports a Texas Ratio of 0.24% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.24% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View The First National Bank of Sycamore 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 ($233M here), outside Ohio so the neighborhood is not state containment.

Bank of Milton $233M · WI Gulf Atlantic Bank $233M · FL Center National Bank $233M · MN The Citizens National Bank of Hillsbo… $233M · TX

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The First National Bank of Sycamore (FDIC Cert #6706) - 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 Sycamore 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%