How Big Is First Central Nb of St Paris?
First Central Nb of St Paris holds $93M in total assets and $74M in deposits, making it a small bank by U.S. standards. By total assets it is the 3,392nd-largest of the 3,960 FDIC-insured banks we track. Those figures come from First Central Nb of St Paris's latest FDIC call report (cert #15214); it is one of the smallest FDIC-insured institutions, with under $100 million in assets.
This page answers a common banking-safety question: How Big Is First Central Nb of St Paris?. The answer draws on FDIC Call Report filings, the quarterly disclosure every FDIC-insured bank submits covering capital, assets, loans, deposits, and earnings. Call Report data is one of the most comprehensive bank-level public-records systems in the U.S. financial system. Why this matters for depositors: most U.S. consumer deposits are FDIC-insured up to $250,000 per depositor per insured bank, so bank failure does not directly threaten typical retail deposits within that limit. But the bank-health analysis is still useful for above-limit deposits (small businesses, treasurers, high-net-worth depositors) and for understanding the broader stability of regional banking.
The detailed answer below uses the actual FDIC Call Report numbers, explains how to read them, and translates the regulatory accounting into the depositor-relevant interpretation of the question.
First Central Nb of St Paris Size at a Glance
- Total assets
- $93M
- Total deposits
- $74M
- Domestic deposits
- $74M
- Size class
- small bank
- Rank by assets
- #3,392 of 3,960
- Headquarters
- St. Paris, Ohio
Source: FDIC Call Report data (cert #15214). Figures reflect the latest reported quarter.
With $93M in total assets, First Central Nb of St Paris is one of the smallest FDIC-insured institutions, with under $100 million in assets. Nationally, that makes it the 3,392nd-largest of the 3,960 FDIC-insured banks we track. The bank funds those assets largely with $74M in customer deposits — a typical structure for a U.S. bank, where deposits are the primary funding source for lending.
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 31.00% | 100/100 |
| Nonperforming Loan Ratio | 0.00% | 100/100 |
| Liquidity Ratio | 29.70% | 99/100 |
| Return on Assets | 1.18% | 67/100 |
| Total Assets | $0.1B | |
How does First Central Nb of St Paris compare?
With a Bank Health Score of 96/100, First Central Nb of St Paris sits 26.0 points above the national average of 70/100 for FDIC-insured banks. Within Ohio, where 144 FDIC-insured banks are headquartered, First Central Nb of St Paris ranks above the state average of 67/100 (Grade B).
The bank's Tier 1 capital ratio of 31.00% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.00% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, First Central Nb of St Paris's Bank Health Score fell by 1.0 points to 96/100. Tier 1 capital strengthened by 0.58 percentage points to 31.00%. Quarter-over-quarter, the score fell by 1.0 points.
Frequently Asked Questions
First Central Nb of St Paris holds $93M in total assets and $74M in deposits, making it a small bank by U.S. standards. By total assets it is the 3,392nd-largest of the 3,960 FDIC-insured banks we track. Those figures come from First Central Nb of St Paris's latest FDIC call report (cert #15214); it is one of the smallest FDIC-insured institutions, with under $100 million in assets.
First Central Nb of St Paris ranks 3,392nd by total assets out of the 3,960 FDIC-insured banks BankHealth tracks. Its $93M in assets classify it as a small bank.
First Central Nb of St Paris reports $93M in total assets and $74M in total deposits ($74M of it domestic). Total assets include loans, securities, and cash the bank owns; deposits are the money customers have placed with the bank. Deposits are typically a bank's largest funding source, and FDIC insurance covers each depositor up to $250,000 per ownership category.
Size and safety are different things. A bank's size (total assets) measures scale, not health — small banks and large banks can each be financially strong or weak. First Central Nb of St Paris earns a Bank Health Score of 96/100 (grade A) on capital, loan quality, liquidity, and profitability, independent of its $93M asset base. For deposits within the $250,000 FDIC limit, size does not change your insurance protection.
Yes. First Central Nb of St Paris (FDIC certificate #15214) is FDIC-insured, meaning each depositor is covered up to $250,000 per ownership category if the bank fails. FDIC insurance protects checking, savings, money market, and CD deposits — it does not cover stocks, bonds, mutual funds, or annuities.
More about First Central Nb of St Paris
First Central Nb of St Paris holds $93M in total assets and $74M in deposits, making it a small bank by U.S. standards. By total assets it is the 3,392nd-largest of the 3,960 FDIC-insured banks we track. Those figures come from First Central Nb of St Paris's latest FDIC call report (cert #15214); it is one of the smallest FDIC-insured institutions, with under $100 million in assets.