First Bank of Ohio: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Bank of Ohio of Tiffin, OH against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 2.06% | 1.35% | +0.71% | 87th top |
| ROAE | 5.85% | 12.06% | -6.21% | 17th bottom |
| Net Interest Margin | 5.63% | 3.90% | +1.73% | 98th top |
| Efficiency Ratio | 42.08% | 63.16% | -21.08% | 93rd top |
| PPNR / Avg Assets | 3.15% | 1.64% | +1.51% | 96th top |
| Yield on Earning Assets | 7.85% | 5.65% | +2.20% | 99th top |
| Cost of Funds | 3.29% | 1.85% | +1.44% | 2nd bottom |
| Net Interest Spread | 4.36% | 3.35% | +1.01% | 92nd top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.15% | 0.92% | -0.77% | 67th above |
| NPA / Total Assets | 0.11% | 0.67% | -0.56% | 69th above |
| NCO / Avg Loans | 1.26% | 0.14% | +1.12% | 2nd bottom |
| ACL / Total Loans | 3.03% | 1.28% | +1.75% | 99th top |
| ACL / NPLs (Coverage) | 1963.46% | 1645.00% | +318.46% | — |
| Texas Ratio | 0.48% | 7.15% | -6.67% | 80th top |
| Provision / NCO | 76.87% | 1189.87% | -1113.00% | 34th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 35.51% | 12.46% | +23.05% | 99th top |
| Equity / Assets | 36.03% | 11.66% | +24.37% | 99th top |
| TCE / Tangible Assets | 36.03% | 11.39% | +24.64% | 99th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 110.71% | 78.63% | +32.08% | 3rd bottom |
| Core Deposit Ratio | 69.37% | 87.10% | -17.73% | 5th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -1.18% | 6.48% | -7.66% | 13th bottom |
| Loan Growth (Y/Y) | -12.03% | 7.65% | -19.68% | 2nd bottom |
| Deposit Growth (Y/Y) | -4.69% | 6.03% | -10.72% | 7th bottom |
See First Bank of Ohio's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Bank of Ohio, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full First Bank of Ohio profile, how to read a UBPR, or how this data updates.