FIRST FEDERAL BANK OF OHIO

GALION, OH | Small | Est. Jan. 1, 1891, midnight | FDIC #27643 | RSSD #207470 | OCC
Latest Report: 2025-12-31

FIRST FEDERAL BANK OF OHIO is asn small FDIC-insured commercial bank headquartered in GALION, OH, established in Jan. 1, 1891, midnight. As of 2025-12-31, the bank reported total assets of $278M and total deposits of $234M. Profitability stands at 0.32% ROA and 2.21% ROE, with a net interest margin of 3.11%. The bank's CET1 capital ratio is 32.47%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.98% and a Texas Ratio of 2.89%. FDIC Certificate #27643.

Assets

$278M

Deposits

$234M

Loans

$121M

Equity

$40M

Profitability

Return on Assets (ROA) 0.32%
Return on Equity (ROE) 2.21%
Net Interest Margin (NIM) 3.11%
Yield on Assets 4.24%
Cost of Funds 1.24%

Asset Quality

NPL Ratio 0.98%
Net Charge-Off Ratio 1.25%
Texas Ratio 2.89%
NPA Ratio 0.42%
ACL / Loans 0.47%

Capital & Liquidity

CET1 Ratio 32.47%
Tier 1 Capital 32.47%
Total Capital Ratio 32.94%
Leverage Ratio 13.59%
Loan-to-Deposit 51.58%

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