FIRST BANK OF OHIO

TIFFIN, OH | Small | Est. March 3, 1873, midnight | FDIC #9450 | RSSD #586027 | FDIC
Latest Report: 2025-12-31

FIRST BANK OF OHIO is asn small FDIC-insured commercial bank headquartered in TIFFIN, OH, established in March 3, 1873, midnight. As of 2025-12-31, the bank reported total assets of $299M and total deposits of $199M. Profitability stands at 2.79% ROA and 8.58% ROE, with a net interest margin of 5.93%. The bank's CET1 capital ratio is 32.69%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.09% and a Texas Ratio of 0.17%. FDIC Certificate #9450.

Assets

$299M

Deposits

$199M

Loans

$206M

Equity

$98M

Profitability

Return on Assets (ROA) 2.79%
Return on Equity (ROE) 8.58%
Net Interest Margin (NIM) 5.93%
Yield on Assets 8.56%
Cost of Funds 3.61%

Asset Quality

NPL Ratio 0.09%
Net Charge-Off Ratio 1.39%
Texas Ratio 0.17%
NPA Ratio 0.06%
ACL / Loans 3.04%

Capital & Liquidity

CET1 Ratio 32.69%
Tier 1 Capital 32.69%
Total Capital Ratio 34.32%
Leverage Ratio 32.53%
Loan-to-Deposit 103.27%

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