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.

Compiled from official public sources by the publisher.
$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.

FDIC Call Report plate

Cert 59249 · OH D · 48/100

GRADE-D · BOTTOM-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-LOSS · SIZE-MID · BOOK-FULL

  • GRADE-D D (48/100)
  • BOTTOM-DECILE #4160/4307
  • PHOTO-FINISH New Haven Bank · CT
  • TIER1-WELL 10.6% Tier 1
  • TEXAS-CLEAN 1.7% Texas
  • ROA-LOSS -0.35% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Ohio: New Haven Bank, CT (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around First Bank of Central Ohio

Lowest and highest poles plus nearest scored peers outside Ohio, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100First Bank of Centra… · OH ·…48/100First Internet Bank… · IN · …48/100Hertford Savings Ban… · NC ·…48/100New Haven Bank · CT · near48/100SmartBiz Bank, Natio… · IL ·…48/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around First Bank of Central Ohio · July 2026

Call Report read for First Bank of Central Ohio in a high-failure state

First Bank of Central Ohio (FDIC Cert #59249) carries a PlainBankData health grade of D at 48/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #4,160 of 4,307. Tier 1 capital prints at 10.63%, clearing the 10% well-capitalized line. The Texas Ratio is 1.70%, inside the sub-50% band analysts treat as healthy. Return on assets is -0.35%. Balance-sheet scale is $253M, 2,718th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is New Haven Bank (CT), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around First Bank of Central Ohio

9 FAILURE resolutions in Ohio since 2000, heavy vs the state corpus

First Bank of Central Ohio sits in one of the heavier post-2000 FAILURE states (9 resolutions; latest year 2019). The list below is state history from the Failed Bank List, not a claim about First Bank of Central Ohio's current Call Report.

  • RESOLUTE BANK MAUMEE, OH 2019 → BUCKEYE STATE BANK
  • COLUMBIA SAVINGS BANK CINCINNATI, OH 2014 → UNITED FIDELITY BANK, FSB
  • BRAMBLE SAVINGS BANK MILFORD, OH 2010 → FOUNDATION BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Ohio banks.

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.

0/100100/100National avg77/10048/100
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 Assets

$253M

Total balance-sheet footings

Total Deposits

$224M

Customer-funded liabilities

Net Loans

$193M

Outstanding loan book

Net Income

$-762K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% 14% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 9.23% 10.63% 12.03%
Basel III capital ratios - First Bank of Central Ohio

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: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

48 3rd percentile higher than 3% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). This entry sits in this band. 50–60: 279 FDIC-insured banks (6%). Above this entry. 60–70: 777 FDIC-insured banks (18%). Above this entry. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. First Bank of Central Ohio 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

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.

Capital & credit buffers at First Bank of Central Ohio

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

What these ratios mean →

Profitability metrics: First Bank of Central Ohio

Return on Assets (ROA)
3rd percentile nationally
-0.35%
Return on Equity (ROE)
-2.89%
Efficiency Ratio
91.46%

What these mean →

Income & expense: loss period at First Bank of Central Ohio

$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.

FDIC Failed Bank List → View First Bank of Central Ohio on FDIC BankFind →

Top banks in Ohio by total assets

Largest banks headquartered in Ohio
  1. 1
    JPMorgan Chase Bank $3.75T

    Columbus, OH · Grade A

  2. 2
    U.S. Bank $676.1B

    Cincinnati, OH · Grade A

  3. 3
    The Huntington National Bank $224.0B

    Columbus, OH · Grade A

  4. 4
    Fifth Third Bank $213.7B

    Cincinnati, OH · Grade A

  5. 5
    KeyBank $181.7B

    Cleveland, OH · Grade A

Top 5 banks in Ohio ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($253M here), outside Ohio so the neighborhood is not state containment.

The Idabel National Bank $253M · OK Grand Rapids State Bank $253M · MN Citizens State Bank $254M · WI Victory Bank $252M · TX

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.

First Bank of Central Ohio Call Report profile · FDIC Failed Bank List · Ohio FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Ohio

All Ohio banks →
BankAssetsGradeROA
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%