FIRST BANK OF CENTRAL OHIO

WORTHINGTON, OH | Small | Est. April 12, 2021, midnight | FDIC #59249 | RSSD #5528880 | FDIC
Latest Report: 2025-12-31

FIRST BANK OF CENTRAL OHIO is asn small FDIC-insured commercial bank headquartered in WORTHINGTON, OH, established in April 12, 2021, midnight. As of 2025-12-31, the bank reported total assets of $253M and total deposits of $224M. Profitability stands at -0.65% ROA and -5.92% ROE, with a net interest margin of 3.51%. The bank's CET1 capital ratio is 9.86%. Asset quality metrics show a non-performing loan ratio of 0.25% and a Texas Ratio of 1.70%. FDIC Certificate #59249.

Assets

$253M

Deposits

$224M

Loans

$195M

Equity

$26M

Profitability

Return on Assets (ROA) -0.65%
Return on Equity (ROE) -5.92%
Net Interest Margin (NIM) 3.51%
Yield on Assets 6.74%
Cost of Funds 3.38%

Asset Quality

NPL Ratio 0.25%
Net Charge-Off Ratio 0.86%
Texas Ratio 1.70%
NPA Ratio 0.19%
ACL / Loans 1.17%

Capital & Liquidity

CET1 Ratio 9.86%
Tier 1 Capital 9.86%
Total Capital Ratio 10.35%
Leverage Ratio 10.63%
Loan-to-Deposit 86.87%

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