First Federal 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 Federal Bank of Ohio of Galion, OH against its peer group of 2601 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 | 0.39% | 1.35% | -0.96% | 10th bottom |
| ROAE | 2.78% | 13.33% | -10.55% | 9th bottom |
| Net Interest Margin | 3.19% | 3.93% | -0.74% | 15th bottom |
| Efficiency Ratio | 86.99% | 61.12% | +25.87% | 8th bottom |
| PPNR / Avg Assets | 0.40% | 1.68% | -1.28% | 7th bottom |
| Yield on Earning Assets | 4.20% | 5.67% | -1.47% | 4th bottom |
| Cost of Funds | 1.01% | 1.88% | -0.87% | 91st top |
| Net Interest Spread | 2.79% | 3.32% | -0.53% | 24th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.61% | 0.94% | +0.67% | 17th bottom |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.69% | 0.70% | -0.01% | 30th below |
| NCO / Avg Loans | -0.00% | 0.16% | -0.16% | 80th top |
| ACL / Total Loans | 0.48% | 1.28% | -0.80% | 2nd bottom |
| ACL / NPLs (Coverage) | 29.79% | 1546.56% | -1516.77% | 3rd bottom |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.78% | 7.34% | -2.56% | 43rd below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 32.76% | 19.48% | +13.28% | 94th top |
| Tier 1 Ratio | 32.76% | 19.51% | +13.25% | 94th top |
| Total Capital Ratio | 33.24% | 20.60% | +12.64% | 94th top |
| Leverage Ratio | 13.68% | 12.14% | +1.54% | 80th top |
| Equity / Assets | 14.42% | 11.36% | +3.06% | 86th top |
| TCE / Tangible Assets | 14.42% | 11.08% | +3.34% | 87th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 52.29% | 80.67% | -28.38% | 90th top |
| Core Deposit Ratio | 94.65% | 86.85% | +7.80% | 82nd top |
| Wholesale Funding Ratio | 2.12% | 5.04% | -2.92% | 66th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.09% | 6.84% | -6.75% | 20th bottom |
| Loan Growth (Y/Y) | 1.74% | 7.92% | -6.18% | 30th below |
| Deposit Growth (Y/Y) | -3.17% | 6.29% | -9.46% | 10th bottom |
See First Federal Bank of Ohio's peers by name
The 2601 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Federal 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 Federal Bank of Ohio profile, how to read a UBPR, or how this data updates.