Community Reinvestment Act

First Central National Bank is committed to serving the credit needs of the communities we call home. Our CRA Public File includes our performance evaluation, branch and product information, assessment area details, and public comments.

CRA Performance EvaluationBranch Locations & List of ServicesAssessment AreaOpened and Closed BranchesPublic Comments & Responses

CRA Performance Evaluation

Review First Central National Bank’s Community Reinvestment Act performance evaluation.

Evaluation date: January 12, 2026

View CRA Performance Evaluation (PDF)

Branch Locations & List of Services

Visit our Locations page for branch addresses, hours of operation, and available services. View the Bank Products document for a list of our deposit and loan products and other services.

View Locations & HoursView Bank Products (PDF)

Assessment Area

View the map and description of the census tracts included in First Central National Bank’s CRA assessment area.

View Assessment Area Map (PDF)View Assessment Area Description (PDF)

Opened and Closed Branches

First Central National Bank opened our Urbana location on June 27, 2022.

Public Comments & Responses

At this time, the bank does not have any written comments received from the public. If you would like to let First Central National Bank know how we are meeting the credit needs of our communities, you can do so by:

  1. Contacting our President/CEO or board members to share your opinion.
  2. Write your comments and send them to:
    103 S. Springfield Street
    St. Paris, OH 43072
    Attention: CEO and Compliance Officer
    Please let us know if you’d like your comment(s) included in our public file.

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