Total Assets
$299M
Total balance-sheet footings
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.
- $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.
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.
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 Deposits
$199M
Customer-funded liabilities
Net Loans
$199M
Outstanding loan book
Net Income
$6M
Bottom-line earnings
Capital adequacy vs federal thresholds
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'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.
Safety metrics
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
Profitability metrics
Return on Assets (ROA)
92nd percentile nationally
2.07%
Return on Equity (ROE)
6.36%
Efficiency Ratio
38.62%
What the numbers say about First Bank of Ohio
First Bank of Ohio is an FDIC-insured institution (Certificate #9450) headquartered in Tiffin, Ohio, established in 1873. It holds $299M in total assets - 2,494th of 4,313 FDIC-insured banks, $199M in customer deposits, and $199M in net loans. Capital-wise, the Tier 1 ratio sits at 32.53%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 0.56%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of A (100 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
First Bank of Ohio sits 72nd of 158 banks headquartered in Ohio by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$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.
Top banks in Ohio by total assets
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.
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 Ohio's health grade?▼
First Bank of Ohio receives a health grade of A (100/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is First Bank of Ohio?▼
First Bank of Ohio holds $299M in total assets and $199M in deposits, ranking 2,494th of 4,313 FDIC-insured banks by asset size. It is headquartered in Tiffin, Ohio.
Is my money safe at First Bank of Ohio?▼
Yes, deposits at First Bank of Ohio (Certificate #9450) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is First Bank of Ohio's Tier 1 Capital Ratio?▼
First Bank of Ohio has a Tier 1 Capital Ratio of 32.53%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for First Bank of Ohio?▼
First Bank of Ohio has a Texas Ratio of 0.56%. Staying under 50% is the level analysts treat as 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 Ohio?▼
First Bank of Ohio has an Efficiency Ratio of 38.62%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read First Bank of Ohio's profile as a depositor or analyst.
- First Bank of Ohio's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare First Bank of 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.