About Us

1st National Bank is a community bank serving Southwestern Ohio.  We offer competitive banking services to fulfill the needs of our community in a friendly, courteous fashion and provide the most convenient banking tools available so that you can Bank Your BestTM.

Personal Services

Bank Your Best  means providing the services to bank safer and smarter. Among our many checking and savings accounts, the Secure Checking Account provides accidental death and dismemberment insurance, identity theft reimbursement, and additional benefits for a low monthly service charge.

Checking and Savings >>

Home Loans

Get the home loan you want with the services, technology and conveniences that make banking easier and life in your new home, even better.  In the competitive buying market, a quick close can make your offer stand out against multiple offers. Talk to us today if you are interested in seeing if you are able to be a part of the 15 Day Close program.

Mortgages and Refinancing>>

Business Lending

You can choose from a wide array of financing options to help you achieve your goals.  In addition, streamlined and competitive rates help make financing with 1st National Bank a smart financial move. Our Business Lending Programs include purchase and refinance of real estate, construction loans, equipment, lines of credit, and more.

Business Accounts and Lending >>

Long Term Planning

Working with Money Concepts, 1st National Bank delivers a customized financial strategy that helps fit your unique situation now and helps answer the questions of tomorrow. No matter where you start, learn to manage and grow what you have, while living life your way. Ask us about setting a one on one consultation appointment.

Wealth Management >>


"I’ve been a 1st National mortgage customer for years and recently refinanced with you again.  I want you to know that I chose to continue to do business with 1st National because my lending representative, Jerry Rowley, provides great service and makes it easy to work with your bank. " -Ryan

Meet Jerry Rowley >>

"I appreciate the service I receive from 1st National Bank. All the personal service is extremely helpful. I am glad I was able to open an account here and hope to be doing business here for a long time. Thank you for everything." Jay

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"I really like banking with 1st National Bank. They are very courteous and have great hours. I wouldn't change banks for anything." - Taylor

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"I like my bank because they know my name. My teller knows my account number, and personally calls me when I overdraft. They don't rearrange my finances to accrue maximum penalties like other banks." - Alex 

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"The tellers at 1st National Bank are the most helpful, nice, and curtious people that I have come to have the pleasure of doing my banking with. I always tell my friends and family, and even complete strangers to bank at 1st National Bank because they have the best people working there." - Teva

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