Bank Safety Analysis
Is First Bank of Central Ohio Safe? Worthington, Ohio
Based on its Q3 2026 call report, First Bank of Central Ohio meets the community bank leverage ratio test for well capitalized, its Texas ratio is 7.91%, and its deposits are FDIC insured up to $250,000 per depositor.
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Short answer: is First Bank of Central Ohio safe?
On its Q3 2026 call report, First Bank of Central Ohio's Community Bank Leverage Ratio is 9.74%, above the 8% threshold that makes a community bank well capitalized.
- CET1 ratio (Q3 2026): not reported (community bank leverage ratio filer)
- Community Bank Leverage Ratio (Q3 2026): 9.74%
- Texas ratio (Q3 2026): 7.91%
- Noncurrent loans ratio (Q3 2026): 1.91%
First Bank of Central Ohio is an FDIC-insured commercial bank (FDIC Certificate #59249). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Source: the FFIEC call report First Bank of Central Ohio (FDIC Certificate #59249) filed for the quarter ended September 30, 2026. BankRegReports computes every ratio on this page from that filing.
Context: largest US bank failures.
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First Bank of Central Ohio meets regulatory minimums but is on the watch band for 2 of 5 safety dimensions. 1 risk screen is flagged: commercial real estate to capital.
Nonperforming loan ratio (nonaccrual plus 90+ days past due) climbed 0.43 percentage points in Q3 2026, from 1.48% to 1.91%. It was the largest change from Q2 2026 among the key lines here. Within Ohio, First Bank of Central Ohio is 112th of 154 on leverage ratio, 9.74% as of Q3 2026. First Bank of Central Ohio reported 9.74% on leverage ratio for Q3 2026, 1.34 points below the 11.09% median for banks in the $100M-1B asset tier.
From Q4 2023 to Q3 2026, First Bank of Central Ohio's Texas ratio ranged between 0.00% (Q2 2025) and 7.91% (Q3 2026). Between Q3 2025 and Q3 2026, First Bank of Central Ohio's nonperforming loan ratio (nonaccrual plus 90+ days past due) rose from 0.16% to 1.91%, Texas ratio rose from 0.27% to 7.91% and return on assets fell from 0.05% to 0.00%.
First Bank of Central Ohio ranks as the 87th largest of the 154 banks based in Ohio, by total assets at Q3 2026. 1-4 family residential loans are its largest loan category, $60.9M of $207.3M in total loans on its September 30, 2026 call report. Against the 2,730 banks with $100M to $1B in assets for Q3 2026, First Bank of Central Ohio's community bank leverage ratio of 9.74% is below the 11.09% median, nonperforming loans ratio of 1.91% is above the 0.43% median, Texas ratio of 7.91% is above the 2.96% median, and efficiency ratio of 84.80% is above the 61.25% median.
Data as of · sourced from FFIEC call reports. How we update
An exploratory screening score that ranks relative failure risk across filers. It is not a calibrated probability, not a credit rating, and not a CAMELS rating.
First Bank of Central Ohio's 12-month failure risk score is 0.11 out of 100, on the model's 1-year horizon. The score covers every FDIC-insured bank in the latest run, but the model was trained on community and regional banks and its accuracy above roughly $10 billion in assets is not established, so a low score is not evidence of safety. How the failure model was trained and tested.
How does First Bank of Central Ohio score on capital, credit and costs?
Peer cohort: $100M to $1B (2,646 banks) · Industry averages as of Q3 2026.
Median of the 2,730 banks with $100M to $1B in assets, Q3 2026: 11.09%.
Median of the 2,730 banks with $100M to $1B in assets, Q3 2026: 11.09%.
Median of the 2,730 banks with $100M to $1B in assets, Q3 2026: 0.43%.
Median of the 2,730 banks with $100M to $1B in assets, Q3 2026: 2.96%.
Median of the 2,730 banks with $100M to $1B in assets, Q3 2026: 61.25%.
Does First Bank of Central Ohio trip any risk screens?
Latest filing (Q3 2026), passing screens included.
| Screen | Value | Result |
|---|---|---|
| CET1 capital ratio supervisory threshold | — | Not reported |
| Texas ratio BankRegReports band | 7.91% | Within range |
| Nonperforming loan ratio BankRegReports band | 1.91% | Within range |
| Uninsured deposit share BankRegReports band | — | Not reported |
| Loan-to-deposit ratio BankRegReports band | 90.62% | Within range |
| Commercial real estate to capital supervisory threshold | 334.51% | Flagged |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.00% | Within range |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q3 2026 | 7.91% |
| Q2 2026 | 5.67% |
| Q1 2026 | 5.52% |
| Q4 2025 | 1.70% |
| Q3 2025 | 0.27% |
| Q2 2025 | 0.00% |
| Q1 2025 | 0.79% |
| Q4 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q2 2024 | 0.00% |
| Q1 2024 | 0.00% |
| Q4 2023 | 0.00% |
Loans by type, Q3 2026
- 1-4 family residential loans: $60.9M
- Non-owner-occupied commercial real estate loans: $44.1M
- Commercial and industrial loans: $38.5M
- Multifamily loans: $34.9M
- Owner-occupied commercial real estate loans: $14.4M
- Construction and land development loans: $12.6M
- Other revolving consumer credit: $253K
How have First Bank of Central Ohio's safety ratios changed?
| Quarter end | Total assets | Leverage (CBLR) | NPL ratio | Texas ratio | Efficiency |
|---|---|---|---|---|---|
| Sep 30, 2026 | $259.2M | 9.74% | 1.91% | 7.91% | 84.80% |
| Jun 30, 2026 | $260.9M | 9.86% | 1.48% | 5.67% | 94.17% |
| Mar 31, 2026 | $246.1M | 10.21% | 0.79% | 5.52% | 100.37% |
| Dec 31, 2025 | $253.3M | 10.63% | 0.25% | 1.70% | 77.59% |
| Sep 30, 2025 | $229.8M | 11.46% | 0.16% | 0.27% | 87.81% |
| Jun 30, 2025 | $211.5M | 11.98% | 0.00% | 0.00% | 100.50% |
| Mar 31, 2025 | $207.2M | 12.81% | 0.14% | 0.79% | 108.15% |
| Dec 31, 2024 | $195.8M | 13.06% | 0.00% | 0.00% | 81.70% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is First Bank of Central Ohio FDIC insured?
Yes. First Bank of Central Ohio is an FDIC-insured commercial bank (FDIC Certificate #59249). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Is First Bank of Central Ohio well capitalized?
On its Q3 2026 call report, First Bank of Central Ohio's Community Bank Leverage Ratio is 9.74%, above the 8% threshold that makes a community bank well capitalized. The threshold comes from Prompt Corrective Action, which its primary federal regulator, the FDIC, applies.
What are First Bank of Central Ohio's key safety ratios?
For Q3 2026, First Bank of Central Ohio reports leverage 9.74%, Texas ratio 7.91%, noncurrent loans 1.91%. Its Texas ratio compares with the 2.96% median for the 2,730 banks with $100M to $1B in assets.
What happens to my deposits if First Bank of Central Ohio fails?
For Q3 2026, First Bank of Central Ohio reported $228.7M in total deposits. If it failed, the FDIC would pay insured deposits up to $250,000 per depositor.
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Where does this data come from?
Not investment advice. See the full First Bank of Central Ohio profile.
How we score this
First Bank of Central Ohio elects the community bank leverage ratio, so it reports no risk-based capital ratios. Under Prompt Corrective Action (12 CFR 324.403) and that framework it is well capitalized above 8% from July 1, 2026 (9% before), with a grace band one point below. Banks that do not elect it are graded on the CET1 ratio and the Tier 1 and total capital ratios.
First Bank of Central Ohio fails or is near these bands: Nonperforming Loans (NPL) Ratio, pass < 1.5% and fail > 3.0%; Efficiency Ratio, pass ≤ 75% (lower is better) and fail ≥ 90%. Every ratio's definition, bands and risk screen.
Not a credit rating. Methodology.
Regulator records: FDIC BankFind (cert 59249) · FFIEC NIC profile (RSSD 5528880)
Explore: Full First Bank of Central Ohio profile · Other banks in OH · Metric glossary · How the call report works
Ratio definitions: loan to deposit ratio, net interest margin, efficiency ratio, CET1 ratio, tier 1 capital and PPNR.