First National Bank of Blanchester

What First National Bank of Blanchester does

First National Bank of Blanchester is an FDIC-insured, privately held community bank headquartered at 121 East Main Street, Blanchester, Ohio. Founded in 1907, the bank operates a single physical branch with full lobby and drive-thru services (including Saturday hours) and serves individuals, small-to-medium businesses, and local government entities within Blanchester and the surrounding Clinton County area. Its core product set spans personal and business deposit products (Basic Personal Checking, E Account, Hometown Checking, Hometown 50, Premier, Money Market, Savings, CDs, Christmas/Vacation Club, IRAs) and lending products (personal installment, mortgage, home equity lines of credit, commercial loans, and co-branded Visa credit cards), supplemented by merchant services (through Evolv), wire transfers, safe deposit boxes, night depository, and notary services.

The bank's technology stack is a standard community banking configuration: online and mobile banking are delivered through DCI/Telepc infrastructure, with mobile check deposit, e-statements, and card management features; security is anchored by Verified by Visa for online card transactions. Marketing is traditional and community-oriented, relying on the bank website, a Facebook page, and local sponsorships such as the Wildcat-branded debit card tied to the Blanchester Local School District. Leadership includes President & CEO R. Douglas Naylor, Chief Lending Officer Erin B. Whitaker, and a Board chaired by Michael M. Cottle with five additional directors.

The revenue model combines net interest income from loan/deposit spreads (deposit APYs range from 0.10% on basic checking to 3.96% on 7-year CDs/IRAs) with transaction and fee income from account service charges ($6.25-$11.00 monthly), NSF/overdraft fees ($33-$34), wire fees ($25/$30), debit card annual fees, and merchant services. Go-to-market is direct-to-consumer and relationship-led through a single branch, with no disclosed expansion, M&A, or funding activity. The bank has no disclosed parent company, subsidiaries, or external institutional ownership.

Name

First National Bank of Blanchester

Legal name

First National Bank of Blanchester

Website

https://fnbblanchester.com

Company type

Private

Founded year

1907

Operating status

Operating

Headcount range

11–50 employees

Short description

First National Bank of Blanchester is an FDIC-insured community bank in Blanchester, Ohio, founded in 1907, offering personal and business deposit accounts, loans, and merchant services to local individuals, small businesses, and government entities.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Commercial Banking (52211)

SIC

National Commercial Banks (6021)

akta.pro primary industry

Small Business Banking (Microbusiness/Sole Proprietor) (FSABAAAI)

Keywords

• Retail banking services
• Community banking
• Consumer lending
• Deposit accounts
• Small business banking

Headquarters

HQ city

Blanchester

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Interest Income: Primary revenue from interest rate spreads - earning interest on loans (personal, mortgage, commercial) while paying interest on deposits. Deposit rates range from 0.10% APY on basic checking to 3.96% APY on 7-year CDs.
2. Account Fees and Service Charges: Monthly service charges, overdraft fees ($33-$34 NSF fees), wire transfer fees ($25 incoming/$30 outgoing), and various transaction-based fees. Also includes Visa debit card annual fees ($15) and replacement card fees.
3. Merchant Services: Revenue from merchant services partnerships providing credit card processing, POS terminals, and virtual terminals to business customers.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Core offering

First National Bank of Blanchester is an independent community bank providing full-service personal and business banking, including deposit accounts (checking, savings, CDs, money market, IRAs), consumer and commercial lending (mortgages, home equity, personal installment, and commercial loans), Visa debit and credit cards, merchant services, safe deposit boxes, wire transfers, and online/mobile banking. Operations are anchored by a single branch in Blanchester, Ohio serving individuals, small-to-medium businesses, and local governmental entities.

Product overview

First National Bank of Blanchester is a community bank offering a unified portfolio of banking products and services for personal and business customers. The core offering consists of deposit accounts (checking, savings, certificates of deposit, money market accounts, and IRAs) and lending products (personal loans, mortgages, home equity lines, and commercial loans). Supporting services include VISA credit/debit cards, merchant services through Evolv, wire transfers, safe deposit boxes, and online/mobile banking. The bank also offers specialized accounts like Christmas Club and Vacation Club for specific savings goals. Personal checking accounts range from basic (E Account, Basic Personal) to premium (Hometown Checking, Premier Account), while business accounts include Basic Non-Personal and Business Interest Checking options.

Differentiator

Problem solved

Functional benefit

Products and services

• Basic Personal Checking
• E Account Checking
• Hometown Checking
• Hometown 50 Checking
• Premier Checking
• Statement Savings
• Money Market Account
• Certificate of Deposit (CD)
• Christmas Club Account
• Vacation Club Account
• Retirement Accounts (IRA)
• Personal Installment Loans
• Mortgage Loans
• Home Equity Lines of Credit
• VISA Credit Card
• Basic Non-Personal Account
• Business Interest Checking
• Non-Personal Money Market Savings
• Commercial Loans
• Business VISA Credit Cards
• Merchant Services
• Safe Deposit Boxes
• Wire Transfers
• Night Depository
• Wildcat Debit Card

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

Feature4 records

Partnerships

Four partnerships are on record, tiered core and minor.

• Evolv (poweredbyevolv.com)coreTechnology or IntegrationEvolv provides merchant services including credit card equipment, point of sale terminals, virtual terminals, web development, and social media services for business customers. Merchant services are offered through this partnership at https://www.poweredbyevolv.com/.
• DCI (Data Center Inc)coreTechnology or IntegrationDCI powers the bank's website and online banking platform. The website footer notes 'Powered by DCI' linking to https://www.datacenterinc.com/.
• VisacoreTechnology or IntegrationVisa provides credit card processing and Verified by Visa security program. FNB issues Visa-branded debit and credit cards. Cardholders can manage accounts at mycardstatement.com.
• Check Printing SolutionsminorOthersThird-party check printing service for reordering checks. Linked from useful links section at www.checkprintingsolutions.com.

Scale indicators2 records

Recent moves4 records

Expansion highlights3 records

Direct peers

• Sutton Bank: Independent community bank headquartered in Attica, Ohio, with a small branch network serving rural Ohio communities. Closest size-and-model match to FNB Blanchester: full-service personal/business banking, local decision-making, and rural Ohio footprint.
• Croghan Colonial Bank: Independent community bank headquartered in Fremont, Ohio, with branches across north-central Ohio. Similar small-community-bank profile — full personal/business product suite, locally owned, FDIC-insured — closely comparable in size and operating philosophy to FNB Blanchester.

Broad incumbents

• First Financial Bancorp: Regional bank holding company headquartered in Cincinnati, OH, with a large Ohio footprint including community-bank-style branches. Competes for the same southwestern Ohio retail and small-business deposits and loans as FNB Blanchester.
• LCNB Corp: Ohio-based community banking holding company with branches primarily in southwest Ohio (near FNB Blanchester's market). Operates a similar community-bank model with personal and business deposit/lending products; meaningfully larger but directly comparable in customer mix.
• Park National Corp: Ohio-headquartered community banking holding company operating a large network of community banks across Ohio and neighboring states. Much larger than FNB Blanchester, but pursues a similar 'community bank' model targeting retail and small business customers with localized decision-making.
• Peoples Bancorp: Marietta, OH-based community banking holding company serving Ohio, West Virginia, and Kentucky. Provides the same core personal/business banking products and competes for the same small-town Ohio depositors and borrowers as FNB Blanchester.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/First-National-Bank-of-Blanchester-142885102423745
• LinkedInlinkedin.com/company/first-national-bank-of-blanchester

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles11 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about First National Bank of Blanchester