First Bank of Ohio
Tiffin, OH·RSSD 586027·FDIC 9450·bank:586027·CBLR opted in
- #82 of 160Total assets in Ohio
- 5offices
- 59employees
- #3 of 132Net interest margin in Ohio
- #5 of 131Efficiency in Ohio
- #9 of 132Return on assets in Ohio
Performance over time
23 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
FDIC reported categories · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at First Bank of Ohio
4 of 23 FORFI signals stand out against 1223 similar banks, based on FDIC data for the quarter.
Loans shrinking while the peer median growsNotable: Lending 2nd quarter-12.0%peers +5.3%-17.4 pp
First Bank of Ohio's loans declined 12.0% over the past year to $195 million. The median among 1206 similar banks was +5.3%.
| This institution | Peer median | Difference |
|---|---|---|
| Loans, 12-month growth | ||
| -12.0% | +5.3% | -17.4 pp |
| Loans | ||
| $195 million | ||
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. First Bank of Ohio itself is left out of every peer median and percentile. How signals work
Deposit costs among the highest of similar banksWorth a look: Funding 2nd quarter3.31%peers 1.68%+163 bps
First Bank of Ohio's cost of all deposits was 3.31%, compared with a median of 1.68% among 1213 similar banks: higher than 98% of them.
| This institution | Peer median | Difference |
|---|---|---|
| Cost of all deposits | ||
| 3.31% | 1.68% | +163 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. First Bank of Ohio itself is left out of every peer median and percentile. How signals work
Leverage capital ratio rising faster than peersStrength: Capital35.51%peers 11.33%+24.2 pp
First Bank of Ohio's leverage ratio rose 2.0 percentage points over the past year to 35.51%. Among 1222 similar banks, the median rose 0.1 percentage points.
| This institution | Peer median | Difference |
|---|---|---|
| Leverage ratio | ||
| 35.51% | 11.33% | +24.2 pp |
| 12-month change | ||
| +2.0 pp | +0.1 pp | +1.9 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. First Bank of Ohio itself is left out of every peer median and percentile. How signals work
1 more observation
- Deposit costs falling faster than peersFunding
Key facts
- First Bank of Ohio is a bank headquartered in Tiffin, Ohio. It reported $278 million in total assets for the quarter ended June 30, 2026.
- Deposits totaled $176 million, down 4.7% from a year earlier, and loans totaled $195 million, down 12.0%.
- Its net interest margin was 5.75% and its annualized return on assets was 2.07% for the quarter.
- Its cost of all deposits was 3.31%, compared with a median of 1.68% among 1213 similar banks with $100 million to $300 million in assets.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With First Bank of Ohio's own data, FORFI would look at: Which borrowers are behind the loan growth, and what else those relationships need.
Analysis workspaces
Sources and identifiers
- Institution
- First Bank of Ohio · Bank
- Federal Reserve RSSD
- 586027
- FDIC certificate
- 9450
- Reporting period
- Peer group
- 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. First Bank of Ohio itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
FDIC · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation | FDIC published reference |
|---|---|---|
| $1.46M | — | |
| $5.22M | — | |
| $1.5M | — | |
| $3.72M | — | |
| $163K | — | |
| $1.66M | — | |
| $475K | — | |
| $475K | — | |
| 2.07% | 2.06%ROAQ · Quarter | |
| 5.75% | 5.73%NIMYQ · Quarter | |
| 42.64% | 42.64%EEFFQR · adjusted · Quarter |
Credit-quality reconciliation · Source components agree. NALNLS (nonaccrual) + P9LNLS (90+ days accruing) = NCLNLS (noncurrent).
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-25T00:32:31.073937+00:00. Separate reference provenance is included in the export.