1st National Bank is a community bank based in Ohio offering checking, savings, credit cards, mortgages, and auto loans with local branch presence and online banking services.
Data compiled from public sources · Rating from CreditDoc methodology
1st National Bank operates as a community-focused financial institution headquartered in Ohio with emphasis on local banking relationships. The bank has established itself with multiple physical locations across Ohio while maintaining digital accessibility through online and mobile banking platforms. The bank's service offerings span personal and business banking categories.
For consumers, they provide checking accounts with bundled protections (IDProtect, cell phone protection), savings vehicles including a specialized Ohio Homebuyer Plus Savings Account earning 6% APY, credit cards with rewards and no annual fees, mortgage loans with online application, and auto loans with refinancing options. Business customers can access tailored checking accounts, business online banking, treasury management, and merchant services. 1st National Bank distinguishes itself through Ohio-specific lending programs, particularly the HOMEPOSSIBLE Program offering low 3% down payment mortgages and the Ohio Homebuyer Plus Savings Account designed for first-time homebuyers.
The bank emphasizes accessibility, with AudioEye-enabled website features and comprehensive online tools like mortgage calculators. Their credit card products feature 0% introductory rates on purchases and balance transfers for qualified applicants. As a regional community bank, 1st National Bank serves both retail and business customers but operates with geographic limitation to Ohio.
Their emphasis on local community banking appeals to customers preferring relationship-based banking over national institutions, though specific account requirements and detailed product terms are not fully disclosed on the homepage.
1st National Bank processed 313 mortgage applications in 2023, approving 97.4% of applicants across 10 states.
313
Applications
97.4%
Approval Rate
$287K
Avg Loan
10
States Served
Based on 313 applications. Income in thousands (reported by applicant).
Source: CFPB Home Mortgage Disclosure Act (HMDA) Data, 2023. Applications include originated, approved, and denied loans.
1st National Bank offers 12 services including Personal checking accounts with bundled protections, Savings accounts including Ohio Homebuyer Plus Savings Account, Credit cards with unlimited rewards and no annual fee, Mortgage loans with online application and calculators, Auto loans with pre-approval and refinancing, and 7 more.
1st National Bank is best suited for Ohio residents seeking community banking with local branch relationships, First-time homebuyers interested in down payment assistance and specialized savings products, Small to mid-size businesses needing bundled business checking and merchant services, Customers prioritizing accessibility features and online banking convenience.
Key strengths: Ohio Homebuyer Plus Savings Account offers competitive 6% APY specifically for first-time homebuyers; HOMEPOSSIBLE Program provides low 3% down payment mortgages with reduced interest rates; Credit cards feature unlimited rewards with no annual fee and 0% introductory rates for qualified applicants. Areas to consider: Geographic limitation to Ohio means service unavailable outside the state; Specific APR rates for auto loans and credit cards not disclosed on website.
In the Banks category, comparable providers include Bank419, Belmont Savings Bank, Buckeye Community Bank. Each company has different strengths — compare services, pricing, and consumer complaint records to find the best fit.
CreditDoc Diagnosis
1st National Bank is best for Ohio residents and businesses seeking community banking relationships with personalized service and specialized homebuyer programs. The main caveat is geographic restriction to Ohio and limited rate/fee transparency on their public-facing website.
Bank419 (formerly Metamora State Bank) is a community bank offering checking, savings, loans, and credit cards with a focus on personalized service across three Ohio locations.
Best for: Small business owners in Ohio seeking personalized refinancing and lending relationships with local decision-makers, Customers in Metamora, Sylvania, and Maumee who prioritize face-to-face banking and community connection over digital convenience
Community bank with 140 years of history serving the Ohio Valley, offering personal and business banking, loans, mortgages, and digital services.
Best for: First responders (police, firefighters, EMTs, nurses) seeking mortgages with favorable terms and no PMI, Ohio Valley residents seeking community banking with local decision-making and personal relationships
FDIC-insured community bank serving Lorain County, Ohio with personal and business banking, mortgages, loans, and credit cards through multiple local branches.
Best for: Small to mid-sized businesses in manufacturing and agriculture sectors in Lorain County seeking relationship banking, Local individuals and families seeking traditional community bank services with in-person branch access
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