First Bank of Central Ohio
First Bank of Central Ohio is an FDIC-insured commercial bank headquartered in Worthington, OH, supervised by the FDIC, with $259.2M in total assets at Q3 2026, up 12.8% from Q3 2025, the 87th largest of 154 banks headquartered in Ohio. It was established in 2021 and holds FDIC certificate 59249. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.74% at Q3 2026, above the 8% community bank leverage ratio requirement for being considered well capitalized.
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Data as of · sourced from FFIEC call reports. How we update
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 59249
- Headquarters
- Worthington, OH
- Established
- 2021
- Total assets, Q3 2026
- $259.2M
- Assets vs Q3 2025
- +12.8%
- Tier 1 leverage ratio, Q3 2026
- 9.74%
- Domestic offices
- 3 branches
- Routing number
- 044015967
- Safety and soundness
- Is First Bank of Central Ohio safe?
- Latest call report
- Q3 2026, FFIEC 051 · First Bank of Central Ohio call report
- Asset rank in state
- 87th of 154 in Ohio
Problem loans are rising at First Bank of Central Ohio. It reported $259 million in assets at September 30, 2026, up 12.8% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.09% of loans from 0.04% a year earlier. It earns about $0.00 a year on every $100 of assets, a small fraction of the median of $1.30 for the 2,623 banks with $100 million to $1 billion in assets. It also spends about 85 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 61 cents).
Earnings fell sharply: quarterly net income of $1,000 was 96% below a year earlier. The commercial and industrial book ($38 million) is worsening: 10.29% of it is past due or on nonaccrual, up from 0.77% a year earlier. Funding is the softer spot: it pays an average of 3.24% on its deposits and borrowings, higher than about 9 in 10 banks its size (median 1.83%).
As of September 30, 2026, First Bank of Central Ohio reported a return on assets of 0.00%, a nonperforming-loan ratio of 1.91% and a Texas ratio of 7.91%. The figures come from its call report filed with the FFIEC.
First Bank of Central Ohio ranks as the 87th largest of the 154 banks based in Ohio, by total assets at Q3 2026. From Q2 2026 to Q3 2026, its total assets fell 0.6% to $259.2M, loans rose 4.0% and deposits fell 1.6%. 1-4 family residential loans made up 29.4% of its total loans on September 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 21.3%. The FDIC Summary of Deposits lists 3 offices for it, in Worthington, OH, Columbus, OH and New Albany, OH; its Worthington office books 65% of its branch deposits. By the capital ratios in its Q3 2026 call report, First Bank of Central Ohio meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 6700 N High St, Worthington, OH 43085
- County
- Franklin
- Metro Area
- Columbus, 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
- April 12, 2021
- Domestic offices
- 3 branches
- Employees (FTE)
- 35
- Domestic deposits
- $228.7M
- Allowance for credit losses
- $2.6M
- Net charge-offs (YTD)
- $624K
- Average total assets
- $256.3M
- Average total loans
- $205.6M
- Average interest-bearing deposits
- $197.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- April 12, 2021
- FDIC Cert
- 59249
- Fed RSSD
- 5528880
- Website
- www.fbcentralohio.com →
Asset Quality
Balance Sheet
Income Statement
Operating & Funding
Watch First Bank of Central Ohio: get a note when its numbers change. Free, no card required.
Ratios tagged annualized use the Q3 income alone. The UBPR and FDIC annualize the year to date instead. As a community bank leverage ratio filer, First Bank of Central Ohio reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
First Bank of Central Ohio's total assets moved between a low of $146.5M (Q1 2024) and a high of $260.9M (Q2 2026) from Q4 2023 to Q3 2026, and it earned a profit in 5 of the 12 quarters. The line under each chart compares Q3 2026 with Q3 2025. How these charts are built
$259.2M total assets against $229.8M; $233.2M total liabilities against $203.2M.
$204.7M net loans and leases against $187.0M; $228.7M total deposits against $200.6M.
$12.8M securities against $5.1M; $11.8M cash and balances due against $8.8M.
$3.8M total interest income against $3.8M; $1.8M total interest expense against $1.7M.
$2.0M net interest income against $2.0M.
$777K total noninterest income against $956K; $2.4M total noninterest expense against $2.6M.
$419K provision for credit losses against $325K.
$1K net income against $27K.
0.00% return on assets against 0.05%; 3.23% net interest margin against 3.67%.
9.74% tier 1 leverage ratio against 11.46%.
Inside the full First Bank of Central Ohio terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
First Bank of Central Ohio rankings
Its closest position to the top of a national ranking is 901 of 3,644, for Texas Ratio; its furthest is 3,496 of 3,627, for ROA.
Quarterly trend: last 8 quarters
From Q4 2024 to Q3 2026, its return on assets ran from -0.66% (Q4 2025) to 0.05% (Q3 2025) and its net interest margin ran from 2.93% (Q2 2026) to 3.67% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q3 2026 | 9.74% | 0.00% | 1.91% | 7.91% | 3.23% |
| Q2 2026 | 9.86% | -0.27% | 1.48% | 5.67% | 2.93% |
| Q1 2026 | 10.21% | -0.20% | 0.79% | 5.52% | 3.01% |
| Q4 2025 | 10.63% | -0.66% | 0.25% | 1.70% | 3.32% |
| Q3 2025 | 11.46% | 0.05% | 0.16% | 0.27% | 3.67% |
| Q2 2025 | 11.98% | -0.40% | 0.00% | 0.00% | 3.19% |
| Q1 2025 | 12.81% | -0.38% | 0.14% | 0.79% | 3.05% |
| Q4 2024 | 13.06% | -0.07% | 0.00% | 0.00% | 3.19% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First Bank of Central Ohio (main office) | Worthington , OH | 43085 | $150.4M |
| 1760 West Lane Avenue Branch | Columbus , OH | 43221 | $63.4M |
| First Bank of Central Ohio Branch | New Albany , OH | 43054 | $18.6M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in OH, rank 98 of 184 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 31 loans, $40.7M approved, $1.3M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about First Bank of Central Ohio
What are First Bank of Central Ohio's total assets?
As of the Q3 2026 filing, First Bank of Central Ohio reported total assets of $259.2 million in its FFIEC call report.
Where is First Bank of Central Ohio headquartered?
It is headquartered in Worthington, OH, United States.
When was First Bank of Central Ohio founded?
It was established in 2021, per the FDIC institution directory.
Is First Bank of Central Ohio FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #59249). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Bank of Central Ohio?
First Bank of Central Ohio's primary federal regulator is the FDIC.
How many branches does First Bank of Central Ohio operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First Bank of Central Ohio's Texas Ratio?
Its Texas Ratio is 7.91% in its Q3 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures nonperforming assets against the bank's capital and reserves.
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