The Old Fort Banking Company: Financial Reports & UBPR Data
BankRegReports is independent of The Old Fort Banking Company and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
The Old Fort Banking Company is one of the more profitable banks of its size. The Old Fort, Ohio bank had $844 million in assets at June 30, 2026, down 1.4% from a year earlier. It returns 22.5% a year on shareholders' equity, about double the median of 12.5% for the 2,660 banks with $100 million to $1 billion in assets. On the other hand, it keeps 3.01 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 banks its size (median 3.95 cents).
Earnings jumped: net income for the quarter was $3.2 million, 41% above the same quarter a year earlier. Over the same year, loans grew 6.9% and deposits shrank 2.6%. Where it has less room is capital: it funds 8.89% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
As of June 30, 2026, The Old Fort Banking Company reported a CET1 capital ratio of 15.16%, a return on assets of 1.49%, a nonperforming-loan ratio of 0.20% and a Texas ratio of 1.55%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 8034 Main St, Old Fort, OH 44861
- County
- Seneca
- Metro Area
- Tiffin, OH
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 16, 1916
- Offices
- 11 domestic
- Employees (FTE)
- 95
- Domestic deposits
- $781.8M
- Allowance for credit losses
- $5.2M
- Net charge-offs (YTD)
- $17K
- Average total assets
- $861.3M
- Average total loans
- $482.1M
- Average interest-bearing deposits
- $596.6M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 10255
- Fed RSSD
- 564324
- Website
- http://www.oldfortbank.com →
- Parent Holding Company
- GILLMOR FINANCIAL SERVICES, INC. (RSSD 2257620)
- Ultimate Parent
- RSSD 4902465
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. The UBPR's YTD ROA divides by the average of the quarterly average assets the bank reports on Schedule RC-K, while FDIC BankFind divides by the average of quarter-end total assets, so FDIC's ROA can differ from the YTD figure by a few hundredths of a point.
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 The Old Fort Banking Company terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock The Old Fort Banking Company, freeThe Old Fort Banking Company 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.
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 | 15.16% | 1.49% | 0.20% | 1.55% | 3.01% |
| Q1 2026 | 14.95% | 1.35% | 0.21% | 1.60% | 2.87% |
| Q4 2025 | 14.59% | 1.37% | 0.14% | 1.06% | 2.96% |
| Q3 2025 | 14.82% | 1.17% | 0.00% | 0.02% | 2.59% |
| Q2 2025 | 14.98% | 1.06% | 0.00% | 0.00% | 2.44% |
| Q1 2025 | 15.45% | 0.97% | 0.00% | 0.00% | 2.36% |
| Q4 2024 | 14.95% | 0.93% | 0.00% | 0.00% | 2.19% |
| Q3 2024 | 14.40% | 0.85% | 0.00% | 0.00% | 2.06% |
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 10 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Tiffin Westgate Branch | Tiffin , OH | 44883 | $153.4M |
| Tiffin Downtown Branch | Tiffin , OH | 44883 | $145.8M |
| Sugarcreek Township Branch | Dayton , OH | 45459 | $121.4M |
| Findlay Branch | Findlay , OH | 45840 | $102.7M |
| Fremont Branch | Fremont , OH | 43420 | $59.3M |
| Clyde Branch | Clyde , OH | 43410 | $50.6M |
| Fostoria Branch | Fostoria , OH | 44830 | $43.9M |
| Xenia Branch | Xenia , OH | 45385 | $36.1M |
| The Old Fort Banking Company | Old Fort , OH | 44861 | $34.8M |
| Bettsville Branch | Bettsville , OH | 44815 | $33.9M |
Regulatory record
What the public regulatory sources show for The Old Fort Banking Company, 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
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.1% of deposits in OH, rank 48 of 185 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 340 applications, 187 loans originated, $52.0M originated, across 5 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $374K approved, $374K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2013 (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.
Add this badge to your website
Free to use. The badge always shows The Old Fort Banking Company’s most recent filed regulatory figures. It updates automatically each quarter, so it never goes stale.
Similar banks
Compare The Old Fort Banking Company with peers
Side-by-side comparison of capital, profitability, asset quality, and balance sheet. Pick a peer to view the full head-to-head.
Frequently asked about The Old Fort Banking Company
What are The Old Fort Banking Company's total assets?
As of the Q2 2026 filing, The Old Fort Banking Company reported total assets of $843.9 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is The Old Fort Banking Company headquartered?
The Old Fort Banking Company is headquartered in Old Fort, OH, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was The Old Fort Banking Company founded?
The Old Fort Banking Company was established in 1916, per the FDIC institution directory.
Is The Old Fort Banking Company FDIC-insured?
Yes. The Old Fort Banking Company is an FDIC-insured commercial bank (FDIC Certificate #10255). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Old Fort Banking Company?
The Old Fort Banking Company's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is The Old Fort Banking Company's CET1 capital ratio?
The Old Fort Banking Company reported a Common Equity Tier 1 (CET1) capital ratio of 15.16% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The Old Fort Banking Company operate?
The Old Fort Banking Company operates 11 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Old Fort Banking Company's Texas Ratio?
The Old Fort Banking Company's Texas Ratio is 1.55% 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.
Go deeper on The Old Fort Banking Company.
Unlock the full terminal: 26 years of quarterly trends, peer benchmarking, watch flags, and Excel tearsheets for this bank and every other US institution.
Unlock The Old Fort Banking Company, freeFree account