Bank Comparison
First Federal Savings and Loan Association of Delta vs First Bank of Central Ohio
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
15 · 4
winning metrics across 19 comparable rows
Capital adequacy
| Metric | First Federal Savings and Loan Association of Delta | First Bank of Central Ohio |
|---|---|---|
| CET1 Ratio | 42.57% | — |
| Tier 1 Capital Ratio | 42.57% | — |
| Total Capital Ratio | 43.29% | — |
| Tier 1 Leverage Ratio | 16.54% | 10.21% |
| Equity / Assets | 15.52% | 10.69% |
Profitability
| Metric | First Federal Savings and Loan Association of Delta | First Bank of Central Ohio |
|---|---|---|
| Return on Assets (ROA) | 1.08% | -0.20% |
| Return on Equity (ROE) | 6.94% | -1.86% |
| Net Interest Margin (NIM) | 3.65% | 3.01% |
| Yield on Earning Assets | 4.31% | 5.89% |
| Cost of Funds | 0.75% | 3.15% |
Asset quality
| Metric | First Federal Savings and Loan Association of Delta | First Bank of Central Ohio |
|---|---|---|
| Texas Ratio | 0.00% | 5.52% |
| Non-Performing Loan Ratio | 0.00% | 0.79% |
| Non-Performing Asset Ratio | 0.00% | 0.64% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 0.62% | 1.22% |
Balance sheet
| Metric | First Federal Savings and Loan Association of Delta | First Bank of Central Ohio |
|---|---|---|
| Total Assets | $247,265K | $246,117K |
| Total Deposits | $207,937K | $216,718K |
| Total Loans | $112,279K | $199,888K |
| Total Equity | $38,365K | $26,306K |
| Net Income (quarter) | $663 | $-123 |
Liquidity & funding
| Metric | First Federal Savings and Loan Association of Delta | First Bank of Central Ohio |
|---|---|---|
| Loan-to-Deposit Ratio | 54.00% | 92.23% |
| Core Deposit Ratio | 98.41% | 82.89% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First Federal Savings and Loan Association of Delta | First Bank of Central Ohio |
|---|---|---|
| Headquarters City | DELTA | WORTHINGTON |
| Headquarters State | OH | OH |
| Asset Tier | Small | Small |
| Charter Class | 703313 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 6 | 2 |
| Employees (FTE) | 39 | 35 |
| Established | Jan. 1, 1934, midnight | April 12, 2021, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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