FDIC Cert #10255 · Old Fort, Ohio · Est. 1916

The Old Fort Banking Company - FDIC Bank Health Profile

A community-scale look at The Old Fort Banking Company's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$845M
Total assets
A
Health grade · Excellent
1.18%
Return on assets
14.6%
Tier 1 capital

Data updated July 2026

The verdict

The Old Fort Banking Company earns a PlainBankData health grade of A (87/100), with well-capitalized at 14.59% Tier 1, profitable at 1.18% ROA, efficient (60% cost ratio).

#1,207
largest of 4,313 FDIC banks by assets
72nd
percentile by asset size, nationally
14.59%
Tier 1 ratio - above the 10% well-capitalized line
56th
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.

FDIC Call Report plate

Cert 10255 · OH A · 87/100

GRADE-A · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-MID · BOOK-FULL

  • GRADE-A A (87/100)
  • MID-PACK #1222/4307
  • PHOTO-FINISH First Farmers & Merc… · MN
  • TIER1-WELL 14.6% Tier 1
  • TEXAS-CLEAN 1.1% Texas
  • ROA-PAR 1.18% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Ohio: First Farmers & Merchants Bank, MN (±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 The Old Fort Banking Company

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

Morgan Stanley Bank,… · UT ·…100/100Citizens State Bank… · MN · …87/100First Farmers & Merc… · MN ·…87/100Mount Vernon Bank an… · IA ·…87/100Ohnward Bank & Trust · IA · …87/100The Old Fort Banking… · OH ·…87/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around The Old Fort Banking Company · July 2026

Call Report read for The Old Fort Banking Company in a high-failure state

The Old Fort Banking Company (FDIC Cert #10255) carries a PlainBankData health grade of A at 87/100, 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 #1,222 of 4,307. Tier 1 capital prints at 14.59%, clearing the 10% well-capitalized line. The Texas Ratio is 1.06%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.18%. Balance-sheet scale is $845M, 1,207th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is First Farmers & Merchants Bank (MN), 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 The Old Fort Banking Company

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

The Old Fort Banking Company 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 The Old Fort Banking Company'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 The Old Fort Banking Company's 87/100 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 avg77/10087/100
The Old Fort Banking Company's composite health score
Tier 1 Capital Ratio (14.59%) 35/40
Return on Assets (ROA) (1.18%) 20/25
Texas Ratio (1.06%) 20/20
Efficiency Ratio (59.85%) 12/15

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

Balance sheet at a glance

Total Assets

$845M

Total balance-sheet footings

Total Deposits

$782M

Customer-funded liabilities

Net Loans

$478M

Outstanding loan book

Net Income

$10M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 13.19% 14.59% 15.99%
Basel III capital ratios - The Old Fort Banking Company

Where The Old Fort Banking Company ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The Old Fort Banking Company's score of 87/100 falls in the highlighted band.

The Old Fort Banking Company: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

87 Top 28% higher than 72% 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%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. The Old Fort Banking Company 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

The Old Fort Banking Company'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). The Old Fort Banking Company's $845M falls in the highlighted band.

Capital & credit buffers at The Old Fort Banking Company

Tier 1 capital ratio
Well-capitalized 10%

14.59% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
14.59%
Texas Ratio
1.06%
Equity Capital
$59M

What these ratios mean →

Earnings posture at The Old Fort Banking Company

Return on Assets (ROA)
56th percentile nationally
1.18%
Return on Equity (ROE)
19.57%
Efficiency Ratio
59.85%

What these mean →

Income & expense at The Old Fort Banking Company

$36M
Interest Income
$4M
Non-Interest Income
$16M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. The Old Fort Banking Company reports a Texas Ratio of 1.06% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

1.06% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View The Old Fort Banking Company 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 ($845M here), outside Ohio so the neighborhood is not state containment.

First National Bank North $845M · MN First Utah Bank $846M · UT Western Bank $845M · TX Greenfield Co-operative Bank $846M · MA

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The Old Fort Banking Company (FDIC Cert #10255) - 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.

The Old Fort Banking Company 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%