First Bank of Ohio
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Data as of · sourced from FFIEC call reports. How we update
First Bank of Ohio is an FDIC-insured commercial bank headquartered in Tiffin, OH, established in 1873 (FDIC certificate 9450), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $278.4M, down 1.2% from Q2 2025, the 82nd largest of 154 banks headquartered in Ohio. It reports no CET1 ratio; its Tier 1 leverage ratio was 35.51% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 9450
- Headquarters
- Tiffin, OH
- Established
- 1873
- Total assets, Q2 2026
- $278.4M
- Assets vs Q2 2025
- -1.2%
- Tier 1 leverage ratio, Q2 2026
- 35.51%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 041202540
- Latest call report
- Q2 2026, FFIEC 051 · First Bank of Ohio call report
- Holding company
- TONTI FINANCIAL CORPORATION
- Asset rank in state
- 82nd of 154 in Ohio
First Bank of Ohio runs leaner than most banks of its size. The Tiffin, Ohio bank had $278 million in assets at June 30, 2026, down 1.2% from a year earlier. It spends about 42 cents to bring in each dollar of revenue, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 61 cents). It also keeps 5.63 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 banks its size (median 3.95 cents).
Net income for the quarter rose 15% from a year earlier, to $1.5 million. Over the same year, loans shrank 12.0% and deposits shrank 4.7%. Funding is the softer spot: it pays an average of 3.29% on its deposits and borrowings, about double the median of 1.80% for banks its size.
As of June 30, 2026, First Bank of Ohio reported a return on assets of 2.06%, a nonperforming-loan ratio of 0.26% and a Texas ratio of 0.48%. The figures come from its call report filed with the FFIEC.
Of the 154 banks headquartered in Ohio, First Bank of Ohio is the 82nd largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 3.0% to $278.4M, loans fell 1.4% and deposits fell 5.2%. Its loan book on June 30, 2026 was led by auto loans, at 89.7% of total loans, followed by other consumer loans at 10.3%. Its 5 offices in the FDIC Summary of Deposits are in 5 cities in OH; its Tiffin office books 73% of its branch deposits. By the capital ratios in its Q2 2026 call report, First Bank of Ohio meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 175 S Washington St, Tiffin, OH 44883
- County
- Seneca
- Metro Area
- Tiffin, 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
- March 3, 1873
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 59
- Domestic deposits
- $176.2M
- Allowance for credit losses
- $5.9M
- Net charge-offs (YTD)
- $1.4M
- Average total assets
- $283.2M
- Average total loans
- $196.2M
- Average interest-bearing deposits
- $172.2M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 9450
- Fed RSSD
- 586027
- Website
- www.firstbankofohio.com →
- Parent Holding Company
- TONTI FINANCIAL CORPORATION (RSSD 1069714)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, First Bank of Ohio reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, First Bank of Ohio's total assets ran between $278.4M (Q2 2026) and $313.8M (Q1 2024), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$278.4M total assets against $281.8M; $178.1M total liabilities against $186.8M.
$189.2M net loans and leases against $215.1M; $176.2M total deposits against $184.9M.
$55.0M securities against $38.6M; $13.4M cash and balances due against $7.1M.
$5.2M total interest income against $5.7M; $1.5M total interest expense against $1.8M.
$3.7M net interest income against $3.9M.
$163K total noninterest income against $152K; $1.7M total noninterest expense against $1.6M.
$475K provision for credit losses against $965K.
$1.5M net income against $1.3M.
2.06% return on assets against 1.77%; 5.63% net interest margin against 5.82%.
35.51% tier 1 leverage ratio against 33.47%.
Inside the full First Bank of 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.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
First Bank of Ohio rankings
Its closest position to the top of a national ranking is 283 of 3,606, for efficiency ratio; its furthest is 2,973 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.77% (Q2 2025) to 2.77% (Q4 2025) and its net interest margin ran from 5.34% (Q3 2024) to 5.90% (Q1 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 35.51% | 2.06% | 0.26% | 0.48% | 5.63% |
| Q1 2026 | 33.77% | 1.85% | 0.27% | 0.51% | 5.60% |
| Q4 2025 | 32.53% | 2.77% | 0.28% | 0.56% | 5.73% |
| Q3 2025 | 33.28% | 1.81% | 0.20% | 0.43% | 5.81% |
| Q2 2025 | 33.47% | 1.77% | 0.24% | 0.53% | 5.82% |
| Q1 2025 | 32.62% | 1.90% | 0.34% | 0.77% | 5.90% |
| Q4 2024 | 30.52% | 1.87% | 0.46% | 1.11% | 5.75% |
| Q3 2024 | 29.43% | 2.20% | 0.36% | 0.92% | 5.34% |
Swipe the table sideways to see every column.
Branch Network
View all 5 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 Ohio (main office) | Tiffin , OH | 44883 | $128.6M |
| Marietta Branch | Marietta , OH | 45750 | $35.1M |
| Bloomville Branch | Bloomville , OH | 44818 | $7.4M |
| Belpre Branch | Belpre , OH | 45714 | $3.0M |
| Mount Vernon Branch | Mount Vernon , OH | 43050 | $2.1M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| October 1, 1999 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 1999 | Structure Change | Acquired The First Bank of Marietta Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in OH, rank 112 of 184 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, 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 Ohio
What are First Bank of Ohio's total assets?
As of the Q2 2026 filing, First Bank of Ohio reported total assets of $278.4 million in its FFIEC call report.
Where is First Bank of Ohio headquartered?
It is headquartered in Tiffin, OH, United States.
When was First Bank of Ohio founded?
It was established in 1873, per the FDIC institution directory.
Is First Bank of Ohio FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #9450). 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 Ohio?
First Bank of Ohio's primary federal regulator is the FDIC.
How many branches does First Bank of Ohio operate?
It operates 5 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 Ohio's Texas Ratio?
Its Texas Ratio is 0.48% in its Q2 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 non-performing assets against the bank's capital and reserves.
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