Is First Central Nb of St Paris Well Capitalized?
First Central Nb of St Paris (FDIC cert #15214) reports a Tier 1 capital ratio of 31.00%, which meets the federal 8% "well-capitalized" threshold and clears the stricter 10% community-bank floor. That puts it in the regulatory "well capitalized" range. Tier 1 capital is a bank's core equity cushion against loan losses — First Central Nb of St Paris carries 23.00 percentage points of cushion above the floor.
This page answers a common banking-safety question: Is First Central Nb of St Paris Well Capitalized?. 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 Capital Position
- Tier 1 capital ratio
- 31.00%
- Regulatory status
- well capitalized
- Well-capitalized floor
- 8.00%
- Cushion vs. floor
- +23.00 pts
- Capital factor score
- 100/100
Source: FDIC Call Report data (cert #15214). Regulatory categories follow federal prompt-corrective-action thresholds.
First Central Nb of St Paris's Tier 1 capital ratio of 31.00% sits comfortably above the 8% "well-capitalized" threshold and clears the stricter 10% floor many community banks target — a strong core-equity cushion against loan losses. Tier 1 capital is the loss-absorbing equity that stands between a bank's depositors and its credit risk, which is why regulators weight it so heavily — and why BankHealth assigns it 35% of the composite score (this factor scores 100/100 for First Central Nb of St Paris).
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 (FDIC cert #15214) reports a Tier 1 capital ratio of 31.00%, which meets the federal 8% "well-capitalized" threshold and clears the stricter 10% community-bank floor. That puts it in the regulatory "well capitalized" range. Tier 1 capital is a bank's core equity cushion against loan losses — First Central Nb of St Paris carries 23.00 percentage points of cushion above the floor.
The Tier 1 capital ratio measures a bank's core equity capital as a percentage of its risk-weighted assets. It is the single most important regulatory gauge of whether a bank can absorb losses without failing. Federal regulators consider 8% or higher "well-capitalized," and many community banks target 10%+. First Central Nb of St Paris's ratio of 31.00% places it in the "well capitalized" regulatory category.
"Well capitalized" is a federal regulatory status (Tier 1 capital ratio of 8% or more) signaling that a bank holds enough equity to absorb unexpected loan losses. First Central Nb of St Paris meets this bar at 31.00%, the strongest of the federal capital categories. For depositors, insured balances (up to $250,000 per ownership category) are protected by the FDIC regardless of a bank's capital status — strong capital primarily reduces the odds of failure in the first place.
First Central Nb of St Paris's Bank Health Score of 96/100 is 29.0 points above the Ohio state average of 67/100. 144 FDIC-insured banks are headquartered in Ohio.
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 (FDIC cert #15214) reports a Tier 1 capital ratio of 31.00%, which meets the federal 8% "well-capitalized" threshold and clears the stricter 10% community-bank floor. That puts it in the regulatory "well capitalized" range. Tier 1 capital is a bank's core equity cushion against loan losses — First Central Nb of St Paris carries 23.00 percentage points of cushion above the floor.