FDIC Cert #9450 · Tiffin, Ohio · Est. 1873

First Bank of Ohio - FDIC Bank Health Profile

A community-scale look at First Bank of Ohio's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$299M
Total assets
A
Health grade · Excellent
2.07%
Return on assets
32.5%
Tier 1 capital

Data updated July 2026

The verdict

First Bank of Ohio earns a PlainBankData health grade of A (100/100), with well-capitalized at 32.53% Tier 1, profitable at 2.07% ROA, efficient (39% cost ratio).

#2,494
largest of 4,313 FDIC banks by assets
42nd
percentile by asset size, nationally
32.53%
Tier 1 ratio - above the 10% well-capitalized line
92nd
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 9450 · OH A · 100/100

GRADE-A · TOP-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-MID · BOOK-FULL

  • GRADE-A A (100/100)
  • TOP-DECILE #92/4307
  • PHOTO-FINISH Alva State Bank & Tr… · OK
  • TIER1-WELL 32.5% Tier 1
  • TEXAS-CLEAN 0.6% Texas
  • ROA-STRONG 2.07% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Ohio: Alva State Bank & Trust Company, OK (±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 Ohio

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

Alva State Bank & Tr… · OK ·…100/100First Bank of Ohio · OH · th…100/100Morgan Stanley Bank,… · UT ·…100/100Nebraska State Bank · NE · n…100/100Readlyn Savings Bank · IA · …100/100State Bank of Newburg · WI ·…100/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around First Bank of Ohio · July 2026

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

First Bank of Ohio (FDIC Cert #9450) carries a PlainBankData health grade of A at 100/100, 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 #92 of 4,307. Tier 1 capital prints at 32.53%, clearing the 10% well-capitalized line. The Texas Ratio is 0.56%, inside the sub-50% band analysts treat as healthy. Return on assets is 2.07%. Balance-sheet scale is $299M, 2,494th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Alva State Bank & Trust Company (OK), 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 Ohio

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

First Bank of 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 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 Ohio's 100/100 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 avg77/100100/100
First Bank of Ohio's composite health score
Tier 1 Capital Ratio (32.53%) 40/40
Return on Assets (ROA) (2.07%) 25/25
Texas Ratio (0.56%) 20/20
Efficiency Ratio (38.62%) 15/15

100 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$299M

Total balance-sheet footings

Total Deposits

$199M

Customer-funded liabilities

Net Loans

$199M

Outstanding loan book

Net Income

$6M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 5% 10% 15% 20% 25% 30% 35% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 31.13% 32.53% 33.93%
Basel III capital ratios - First Bank of Ohio

Where First Bank of Ohio ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First Bank of Ohio's score of 100/100 falls in the highlighted band.

First Bank of Ohio: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

100 Top 2% higher than 98% 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%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). Below this entry. 90–100: 815 FDIC-insured banks (19%). This entry sits in this band. First Bank of 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 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 Ohio's $299M falls in the highlighted band.

Capital & credit buffers at First Bank of Ohio

Tier 1 capital ratio
Well-capitalized 10%

32.53% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
32.53%
Texas Ratio
0.56%
Equity Capital
$98M

What these ratios mean →

Earnings posture at First Bank of Ohio

Return on Assets (ROA)
92nd percentile nationally
2.07%
Return on Equity (ROE)
6.36%
Efficiency Ratio
38.62%

What these mean →

Income & expense at First Bank of Ohio

$23M
Interest Income
$641K
Non-Interest Income
$6M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. First Bank of Ohio reports a Texas Ratio of 0.56% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.56% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View First Bank of 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 ($299M here), outside Ohio so the neighborhood is not state containment.

St. Landry Bank and Trust Company $299M · LA Community Bank $299M · IL Patrons Bank $298M · OK The Citizens Bank of Weston $299M · WV

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) First Bank of Ohio (FDIC Cert #9450) - 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 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%