Total Assets
$253M
Total balance-sheet footings
FDIC Cert #59249 · Worthington, Ohio · Est. 2021
First Bank of Central Ohio - FDIC Bank Health Profile
This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.
- $253M
- Total assets
- D
- Health grade · Weak
- -0.35%
- Return on assets
- 10.6%
- Tier 1 capital
Data updated July 2026
The verdict
First Bank of Central Ohio earns a PlainBankData health grade of D (48/100), with well-capitalized at 10.63% Tier 1, -0.35% ROA, 91% efficiency ratio.
- #2,718
- largest of 4,313 FDIC banks by assets
- 37th
- percentile by asset size, nationally
- 10.63%
- Tier 1 ratio - above the 10% well-capitalized line
- 3rd
- percentile for profitability (ROA), nationally
A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.
How First Bank of Central Ohio's 48/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
First Bank of Central Ohio's composite health score
Tier 1 Capital Ratio (10.63%) 28/40
Return on Assets (ROA) (-0.35%) 0/25
Texas Ratio (1.70%) 20/20
Efficiency Ratio (91.46%) 0/15
48 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$224M
Customer-funded liabilities
Net Loans
$193M
Outstanding loan book
Net Income
$-762K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where First Bank of Central Ohio ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First Bank of Central Ohio's score of 48/100 falls in the highlighted band.
First Bank of Central Ohio's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). First Bank of Central Ohio's $253M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
10.63% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
10.63%
Texas Ratio
1.70%
Equity Capital
$26M
Profitability metrics
Return on Assets (ROA)
3rd percentile nationally
-0.35%
Return on Equity (ROE)
-2.89%
Efficiency Ratio
91.46%
What the numbers say about First Bank of Central Ohio
First Bank of Central Ohio is an FDIC-insured institution (Certificate #59249) headquartered in Worthington, Ohio, established in 2021. It holds $253M in total assets - 2,718th of 4,313 FDIC-insured banks, $224M in customer deposits, and $193M in net loans. On safety, its Tier 1 capital ratio of 10.63% is above the 10% well-capitalized threshold, and its Texas Ratio of 1.70% sits in the healthy range below 50%. It earns a PlainBankData health grade of D (48/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Ohio, First Bank of Central Ohio ranks 89th of 158 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$14M
Interest Income
$3M
Non-Interest Income
$9M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. First Bank of Central Ohio reports a Texas Ratio of 1.70% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
1.70% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
What to watch at First Bank of Central Ohio
First Bank of Central Ohio's grade of D reflects specific pressure points in the FDIC Call Report. The bank reported negative net income of $-762K for the period, a loss that, if sustained, erodes the equity cushion.
Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at First Bank of Central Ohio up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.
Top banks in Ohio by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) First Bank of Central Ohio (FDIC Cert #59249) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Ohio
All Ohio banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| JPMorgan Chase Bank, National AssociationColumbus | $3.75T | A | 1.34% |
| U.S. Bank National AssociationCincinnati | $676.1B | A | 1.18% |
| The Huntington National BankColumbus | $224.0B | A | 1.20% |
| Fifth Third Bank, National AssociationCincinnati | $213.7B | A | 1.34% |
| KeyBank National AssociationCleveland | $181.7B | A | 1.17% |
| First Financial BankCincinnati | $21.0B | A | 1.53% |
| Third Federal Savings and Loan Association of ClevelandCleveland | $17.5B | A | 0.51% |
| The Park National BankNewark | $9.7B | A | 1.90% |
Frequently asked questions
What is First Bank of Central Ohio's health grade?▼
First Bank of Central Ohio receives a health grade of D (48/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows notable financial weaknesses. Your deposits remain FDIC-insured up to $250,000.
How large is First Bank of Central Ohio?▼
First Bank of Central Ohio holds $253M in total assets and $224M in deposits, ranking 2,718th of 4,313 FDIC-insured banks by asset size. It is headquartered in Worthington, Ohio.
Is my money safe at First Bank of Central Ohio?▼
Yes, deposits at First Bank of Central Ohio (Certificate #59249) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is First Bank of Central Ohio's Tier 1 Capital Ratio?▼
First Bank of Central Ohio has a Tier 1 Capital Ratio of 10.63%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for First Bank of Central Ohio?▼
First Bank of Central Ohio has a Texas Ratio of 1.70%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is First Bank of Central Ohio?▼
First Bank of Central Ohio has an Efficiency Ratio of 91.46%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read First Bank of Central Ohio's profile as a depositor or analyst.
- First Bank of Central Ohio's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare First Bank of Central Ohio against other Ohio banks before moving funds. Ohio banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.