First Bank of Ohio: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 254.13 percentage points in Q2 2026, from 2217.58% to 1963.46%. It was the largest change from Q1 2026 among the key lines here. Among 156 Ohio banks, First Bank of Ohio sits 9th from the top on return on assets, 2.06% as of Q2 2026. First Bank of Ohio's return on assets of 2.06% is well above the 1.25% median for banks in the $100M-1B asset tier, a gap of 0.80 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 35.51% |
| Equity capital to assets | 36.03% |
| Tangible equity to tangible assets | 36.03% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.15% |
| Non-performing assets ratio | 0.11% |
| Net charge-off ratio | 1.26% |
| Texas ratio | 0.48% |
| Allowance for credit losses to loans | 3.03% |
| Reserve coverage of non-performing loans | 1963.46% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.06% |
| Return on equity | 5.85% |
| Net interest margin | 5.63% |
| Efficiency ratio | 42.08% |
| Yield on earning assets | 7.85% |
| Cost of funds | 3.29% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 110.71% |
| Core deposits to total deposits | 69.37% |
| Brokered deposits to total deposits | 28.66% |
| Deposits to assets | 63.28% |
| Securities to assets | 19.76% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 28.60% | 1.45% | 5.09% | 0.05% | 1.65% |
| Q4 2023 | 28.58% | 1.69% | 5.12% | 0.07% | 1.59% |
| Q1 2024 | 28.95% | 1.54% | 5.02% | 0.07% | 0.76% |
| Q2 2024 | 29.10% | 1.41% | 5.09% | 0.05% | 1.75% |
| Q3 2024 | 29.43% | 2.20% | 5.34% | 0.05% | 1.56% |
| Q4 2024 | 30.52% | 1.87% | 5.75% | 0.07% | 1.38% |
| Q1 2025 | 32.62% | 1.90% | 5.90% | 0.07% | 1.40% |
| Q2 2025 | 33.47% | 1.77% | 5.82% | 0.06% | 1.26% |
| Q3 2025 | 33.28% | 1.81% | 5.81% | 0.08% | 1.36% |
| Q4 2025 | 32.53% | 2.77% | 5.73% | 0.09% | 1.12% |
| Q1 2026 | 33.77% | 1.85% | 5.60% | 0.14% | 1.61% |
| Q2 2026 | 35.51% | 2.06% | 5.63% | 0.15% | 1.26% |
First Bank of Ohio vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Bank of Ohio, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First Bank of Ohio profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9450) · FFIEC NIC profile (RSSD 586027)