BanksFIRST BANK OF OHIO

FIRST BANK OF OHIO

TIFFIN, OHSmallEst. March 3, 1873, midnightFDIC #9450RSSD #586027FDIC
Latest · 2025-12-31

FIRST BANK OF OHIO is an 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%. CET1 capital ratio: 32.69%, well above regulatory minimums. NPL ratio: 0.09% · Texas Ratio: 0.17%. Operates 5 domestic branches.

Assets
$299M
Deposits
$199M
Loans
$206M
Equity
$98M

Profitability

Return on Assets (ROA)2.79%
Return on Equity (ROE)8.58%
Net Interest Margin5.93%
Yield on Assets8.56%
Cost of Funds3.61%

Asset Quality

NPL Ratio0.09%
Net Charge-Off Ratio1.39%
Texas Ratio0.17%
NPA Ratio0.06%
ACL / Loans3.04%

Capital & Liquidity

CET1 Ratio32.69%
Tier 1 Capital32.69%
Total Capital Ratio34.32%
Leverage Ratio32.53%
Loan-to-Deposit103.27%

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