First Bank of Central Ohio: Income and Expense
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Data as of · Call Report Schedule RI How we update
First Bank of Central Ohio reported all 18 line items on this page on its Q3 2026 filing. Net income was $1K in Q3 2026, down 96.3% from $27K in Q3 2025.
Total noninterest expense climbed 21.4% in Q3 2026, from $2.0M to $2.4M. It was the largest change from Q2 2026 among the key lines here. On return on assets, First Bank of Central Ohio is 6th from the bottom among 154 Ohio banks, 0.00% (Q3 2026). Against a median of 1.27% for banks in the $100M-1B asset tier, First Bank of Central Ohio reported 0.00% on return on assets in Q3 2026, 1.27 points lower.
Net income
Return on equity moved most in this table, up 2.66 points: -2.64% in Q2 2026, 0.02% in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| Net income | $1K |
| Return on assets | 0.00% |
| Return on equity | 0.02% |
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Interest income and expense
Net interest margin moved most in this table, up 0.30 points: 2.93% in Q2 2026, 3.23% in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| Interest income on loans | $3.4M |
| Total interest expense | $1.8M |
| Interest expense on deposits | $1.8M |
| Net interest margin | 3.23% |
Noninterest income and expense
| Line item | Q3 2026 |
|---|---|
| Total noninterest expense | $2.4M |
| Salaries and general administrative expense | $1.7M |
| Amortization of intangibles | $0 |
| Other noninterest expense | $673K |
| Efficiency ratio | 84.80% |
Productivity
| Line item | Q3 2026 |
|---|---|
| Assets per employee | $7.4M |
| Revenue per employee | $320K |
| Full-time equivalent employees | 35 |
Credit costs and securities results
Largest change in this table: provision expense to average assets, up 0.11 points to 0.65% in Q3 2026 after 0.54% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Provision for credit losses | $419K |
| Provision expense to average assets | 0.65% |
| Realized gain/(loss) on securities | $0 |
Income and Expense trend
Each bar is that quarter alone, not a year-to-date total.
Lower is better: it is expense as a share of revenue.
Income and Expense by quarter
| Quarter | Net income | Return on assets | Return on equity | Efficiency ratio |
|---|---|---|---|---|
| Q4 2023 | -$223K | -0.63% | -3.64% | 105.36% |
| Q1 2024 | $126K | 0.34% | 2.04% | 83.93% |
| Q2 2024 | $178K | 0.45% | 2.84% | 84.57% |
| Q3 2024 | $309K | 0.73% | 4.83% | 74.47% |
| Q4 2024 | -$32K | -0.07% | -0.49% | 81.70% |
| Q1 2025 | -$187K | -0.38% | -2.86% | 108.15% |
| Q2 2025 | -$209K | -0.40% | -3.19% | 100.50% |
| Q3 2025 | $27K | 0.05% | 0.41% | 87.81% |
| Q4 2025 | -$393K | -0.66% | -5.92% | 77.59% |
| Q1 2026 | -$123K | -0.20% | -1.86% | 100.37% |
| Q2 2026 | -$173K | -0.27% | -2.64% | 94.17% |
| Q3 2026 | $1K | 0.00% | 0.02% | 84.80% |
First Bank of Central Ohio income and expense, quarter by quarter
Income and Expense since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedule RI, Q3 2026. Open the filed call report for Q3 2026 on the FFIEC CDR. How this page is built. See the full First Bank of Central Ohio profile or its peer group comparison.
Regulator records: FDIC BankFind (cert 59249) · FFIEC NIC profile (RSSD 5528880)