First Bank of Central Ohio: Vital Signs
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Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
On its Q3 2026 filing, First Bank of Central Ohio reported 20 of the 23 line items on this page. It elected the community bank leverage ratio, so it files no CET1 capital ratio, tier 1 risk-based capital ratio and total risk-based capital ratio; the Tier 1 leverage ratio is its capital test. Tier 1 leverage ratio was 9.74% in Q3 2026, down 1.72 percentage points from 11.46% in Q3 2025. Across the 12 quarters shown it ranged from 9.74% (Q3 2026) to 16.56% (Q4 2023).
Reserve coverage of nonperforming loans dropped 7.79 percentage points in Q3 2026, from 72.70% to 64.91%. 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.
Capital adequacy
Tier 1 leverage ratio moved most in this table, down 0.12 points: 9.86% in Q2 2026, 9.74% in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| CET1 capital ratio | Not applicable (CBLR) |
| Tier 1 risk-based capital ratio | Not applicable (CBLR) |
| Total risk-based capital ratio | Not applicable (CBLR) |
| Tier 1 leverage ratio | 9.74% |
| Equity capital to assets | 10.05% |
| Tangible equity to tangible assets | 10.05% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies. What the community bank leverage ratio is.
Source: Call Report Schedule RC-R, Part I: Tier 1 leverage ratio (RCOA7204).
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Asset quality
| Line item | Q3 2026 |
|---|---|
| Nonperforming loans to loans | 1.91% |
| Nonperforming assets ratio | 1.53% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 7.91% |
| Allowance for credit losses to loans | 1.24% |
| Reserve coverage of nonperforming loans | 64.91% |
Earnings
Efficiency ratio moved most in this table, down 9.37 points: 94.17% in Q2 2026, 84.80% in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| Return on assets | 0.00% |
| Return on equity | 0.02% |
| Net interest margin | 3.23% |
| Efficiency ratio | 84.80% |
| Yield on earning assets | 6.16% |
| Cost of funds | 3.24% |
Liquidity and funding
Largest change in this table: loan-to-deposit ratio, up 4.84 points to 90.62% in Q3 2026 after 85.78% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 90.62% |
| Core deposits to total deposits | 83.25% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.23% |
| Securities to assets | 4.94% |
Vital Signs trend
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q4 2023 | 16.56% | -0.63% | 2.96% | 0.00% | 0.00% |
| Q1 2024 | 15.90% | 0.34% | 2.90% | 0.00% | 0.00% |
| Q2 2024 | 15.52% | 0.45% | 3.28% | 0.00% | 0.00% |
| Q3 2024 | 14.69% | 0.73% | 3.59% | 0.00% | 0.00% |
| Q4 2024 | 13.06% | -0.07% | 3.19% | 0.00% | 1.16% |
| Q1 2025 | 12.81% | -0.38% | 3.05% | 0.14% | 0.00% |
| Q2 2025 | 11.98% | -0.40% | 3.19% | 0.00% | 1.13% |
| Q3 2025 | 11.46% | 0.05% | 3.67% | 0.16% | 0.00% |
| Q4 2025 | 10.63% | -0.66% | 3.32% | 0.25% | 2.43% |
| Q1 2026 | 10.21% | -0.20% | 3.01% | 0.79% | 0.00% |
| Q2 2026 | 9.86% | -0.27% | 2.93% | 1.48% | 1.26% |
| Q3 2026 | 9.74% | 0.00% | 3.23% | 1.91% | 0.00% |
First Bank of Central Ohio vital signs, quarter by quarter
Vital Signs since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RC, RC-N, RC-R and 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)