First Federal Bank of Ohio: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
First Federal Bank of Ohio spends more to run itself than most banks of its size. It reported $283 million in assets at June 30, 2026. It earns about $0.39 a year on every $100 of assets, about a third the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 87 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 61 cents).
Loans and deposits moved in opposite directions: over the year loans rose 1.7% and deposits fell 3.2%. Paper losses on its bond portfolio are shrinking: unrealized losses of $7.5 million equal 19% of Tier 1 capital, down from 24% a year earlier. Its margin is thin by comparison: it keeps 3.19 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
As of June 30, 2026, First Federal Bank of Ohio reported a CET1 capital ratio of 32.76%, a return on assets of 0.39%, a nonperforming-loan ratio of 0.93% and a Texas ratio of 2.72%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 140 N Columbus St, Galion, OH 44833
- County
- Crawford
- Metro Area
- Bucyrus, OH
- Charter
- Federal savings bank, federal charter, OCC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- —
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1891
- Former names
- First Federal Savings and Loan Association of Galion (1891-2002)
- Offices
- 9 domestic
- Employees (FTE)
- 58
- Domestic deposits
- $231.2M
- Allowance for credit losses
- $580K
- Net charge-offs (YTD)
- $0
- Average total assets
- $293.3M
- Average total loans
- $122.3M
- Average interest-bearing deposits
- $220.0M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 27643
- Fed RSSD
- 207470
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full First Federal Bank of Ohio terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock First Federal Bank of Ohio, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Held-to-maturity securities carry unrealized losses worth 10–25% of book equity. Carried at amortized cost, they do not reduce reported capital, but they shrink the bank's true mark-to-market cushion if the securities ever have to be sold. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
First Federal Bank of Ohio rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for First Federal Bank of Ohio: CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 32.76% | 0.39% | 1.61% | 2.72% | 3.19% |
| Q1 2026 | 32.64% | 0.29% | 1.63% | 2.73% | 3.01% |
| Q4 2025 | 32.47% | 0.30% | 1.70% | 3.05% | 3.06% |
| Q3 2025 | 32.24% | 0.42% | 1.71% | 2.98% | 2.88% |
| Q2 2025 | 31.99% | -0.52% | 1.67% | 3.00% | 2.88% |
| Q1 2025 | 32.09% | 0.01% | 3.81% | 8.75% | 2.72% |
| Q4 2024 | 32.08% | 0.18% | 0.77% | 0.00% | 2.69% |
| Q3 2024 | 29.18% | 0.11% | 0.81% | 0.47% | 2.72% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 8 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First Federal Bank of Ohio (main office) | Galion , OH | 44833 | $75.9M |
| 70 N Main St Branch | Mount Gilead , OH | 43338 | $45.0M |
| Shelby Branch | Shelby , OH | 44875 | $27.8M |
| 1748 W Fourth St Branch | Mansfield , OH | 44906 | $25.0M |
| 1495 Lexington Ave Branch | Mansfield , OH | 44907 | $24.6M |
| Bucyrus Road Branch | Galion , OH | 44833 | $22.0M |
| Cardington Branch | Cardington , OH | 43315 | $6.1M |
| 5502 Milan Road Branch | Sandusky , OH | 44870 | $4.8M |
Regulatory record
What the public regulatory sources show for First Federal Bank of Ohio, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- None against the institution on file; 2 against individuals associated with it
- Period: Most recent action October 31, 2006. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in OH, rank 99 of 185 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $1.6M approved, $1.6M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2009 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about First Federal Bank of Ohio
What are First Federal Bank of Ohio's total assets?
As of the Q2 2026 filing, First Federal Bank of Ohio reported total assets of $282.9 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is First Federal Bank of Ohio headquartered?
First Federal Bank of Ohio is headquartered in Galion, OH, United States. It files quarterly FFIEC call reports, as every FDIC-insured savings institution must.
When was First Federal Bank of Ohio founded?
First Federal Bank of Ohio was established in 1891, per the FDIC institution directory.
Is First Federal Bank of Ohio FDIC-insured?
Yes. First Federal Bank of Ohio is an FDIC-insured savings institution (FDIC Certificate #27643). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Federal Bank of Ohio?
First Federal Bank of Ohio's primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is First Federal Bank of Ohio's CET1 capital ratio?
First Federal Bank of Ohio reported a Common Equity Tier 1 (CET1) capital ratio of 32.76% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does First Federal Bank of Ohio operate?
First Federal Bank of Ohio operates 9 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First Federal Bank of Ohio's Texas Ratio?
First Federal Bank of Ohio's Texas Ratio is 2.72% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was First Federal Bank of Ohio previously called?
The charter now named First Federal Bank of Ohio has also operated as First Federal Savings and Loan Association of Galion (1891-2002), per FDIC structure-change records.
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