Total Assets
$112M
Total balance-sheet footings
FDIC Cert #29617 · Belpre, Ohio · Est. 1906
First Mutual Bank, FSB - FDIC Bank Health Profile
A community-scale look at First Mutual Bank, FSB's own numbers, pulled straight from its quarterly FDIC Call Report.
- $112M
- Total assets
- C
- Health grade · Fair
- 0.27%
- Return on assets
- 18.1%
- Tier 1 capital
Data updated July 2026
The verdict
First Mutual Bank, FSB earns a PlainBankData health grade of C (63/100), with well-capitalized at 18.11% Tier 1, 0.27% ROA, 90% efficiency ratio.
- #3,646
- largest of 4,313 FDIC banks by assets
- 15th
- percentile by asset size, nationally
- 18.11%
- Tier 1 ratio - above the 10% well-capitalized line
- 9th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How First Mutual Bank, FSB's 63/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
First Mutual Bank, FSB's composite health score
Tier 1 Capital Ratio (18.11%) 40/40
Return on Assets (ROA) (0.27%) 7/25
Texas Ratio (5.55%) 16/20
Efficiency Ratio (90.26%) 0/15
63 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$91M
Customer-funded liabilities
Net Loans
$69M
Outstanding loan book
Net Income
$295K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where First Mutual Bank, FSB ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First Mutual Bank, FSB's score of 63/100 falls in the highlighted band.
First Mutual Bank, FSB'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 Mutual Bank, FSB's $112M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
18.11% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
18.11%
Texas Ratio
5.55%
Equity Capital
$11M
Profitability metrics
Return on Assets (ROA)
9th percentile nationally
0.27%
Return on Equity (ROE)
2.93%
Efficiency Ratio
90.26%
What the numbers say about First Mutual Bank, FSB
First Mutual Bank, FSB is an FDIC-insured institution (Certificate #29617) headquartered in Belpre, Ohio, established in 1906. It holds $112M in total assets - 3,646th of 4,313 FDIC-insured banks, $91M in customer deposits, and $69M in net loans. Looking at capital strength, Tier 1 stands at 18.11%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 5.55%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of C (63/100), 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.
By assets, First Mutual Bank, FSB ranks 122nd of 158 banks based in Ohio -- squarely in the community-bank tier. Size alone doesn't determine a bank's local importance; a bank this size often has deeper, longer-standing relationships with the specific businesses and depositors it serves than a much larger institution would.
Income & expense breakdown
$4M
Interest Income
$470K
Non-Interest Income
$3M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. First Mutual Bank, FSB reports a Texas Ratio of 5.55% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
5.55% - 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 Mutual Bank, FSB (FDIC Cert #29617) - 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 Mutual Bank, FSB's health grade?▼
First Mutual Bank, FSB receives a health grade of C (63/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is First Mutual Bank, FSB?▼
First Mutual Bank, FSB holds $112M in total assets and $91M in deposits, ranking 3,646th of 4,313 FDIC-insured banks by asset size. It is headquartered in Belpre, Ohio.
Is my money safe at First Mutual Bank, FSB?▼
Yes, deposits at First Mutual Bank, FSB (Certificate #29617) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is First Mutual Bank, FSB's Tier 1 Capital Ratio?▼
First Mutual Bank, FSB has a Tier 1 Capital Ratio of 18.11%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for First Mutual Bank, FSB?▼
First Mutual Bank, FSB has a Texas Ratio of 5.55%. 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 Mutual Bank, FSB?▼
First Mutual Bank, FSB has an Efficiency Ratio of 90.26%. 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 Mutual Bank, FSB's profile as a depositor or analyst.
- First Mutual Bank, FSB's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare First Mutual Bank, FSB 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.