Total Assets
$845M
Total balance-sheet footings
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.
- $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.
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.
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 Deposits
$782M
Customer-funded liabilities
Net Loans
$478M
Outstanding loan book
Net Income
$10M
Bottom-line earnings
Capital adequacy vs federal thresholds
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'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.
Safety metrics
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
Profitability metrics
Return on Assets (ROA)
56th percentile nationally
1.18%
Return on Equity (ROE)
19.57%
Efficiency Ratio
59.85%
What the numbers say about The Old Fort Banking Company
The Old Fort Banking Company is an FDIC-insured institution (Certificate #10255) headquartered in Old Fort, Ohio, established in 1916. It holds $845M in total assets - 1,207th of 4,313 FDIC-insured banks, $782M in customer deposits, and $478M in net loans. On safety, its Tier 1 capital ratio of 14.59% is above the 10% well-capitalized threshold, and its Texas Ratio of 1.06% sits in the healthy range below 50%. It earns a PlainBankData health grade of A (87/100), 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.
Within Ohio, The Old Fort Banking Company ranks 40th of 158 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$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.
Top banks in Ohio by total assets
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.
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 The Old Fort Banking Company's health grade?▼
The Old Fort Banking Company receives a health grade of A (87/100) 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 The Old Fort Banking Company?▼
The Old Fort Banking Company holds $845M in total assets and $782M in deposits, ranking 1,207th of 4,313 FDIC-insured banks by asset size. It is headquartered in Old Fort, Ohio.
Is my money safe at The Old Fort Banking Company?▼
Yes, deposits at The Old Fort Banking Company (Certificate #10255) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is The Old Fort Banking Company's Tier 1 Capital Ratio?▼
The Old Fort Banking Company has a Tier 1 Capital Ratio of 14.59%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for The Old Fort Banking Company?▼
The Old Fort Banking Company has a Texas Ratio of 1.06%. 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 The Old Fort Banking Company?▼
The Old Fort Banking Company has an Efficiency Ratio of 59.85%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read The Old Fort Banking Company's profile as a depositor or analyst.
- The Old Fort Banking Company's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare The Old Fort Banking Company 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.