First Federal 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.
The standout move of Q2 2026 was in Deposits to assets: 1.25 percentage points lower than in Q1 2026, at 81.74%. Within Ohio, First Federal Bank of Ohio is 134th of 156 on return on assets, 0.39% as of Q2 2026, below the middle of the field. Against a median of 1.25% for banks in the $100M-1B asset tier, First Federal Bank of Ohio reported 0.39% on return on assets in Q2 2026, 0.86 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 32.76% |
| Tier 1 risk-based capital ratio | 32.76% |
| Total risk-based capital ratio | 33.24% |
| Tier 1 leverage ratio | 13.68% |
| Equity capital to assets | 14.42% |
| Tangible equity to tangible assets | 14.42% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.61% |
| Non-performing assets ratio | 0.69% |
| Net charge-off ratio | -0.00% |
| Texas ratio | 4.78% |
| Allowance for credit losses to loans | 0.48% |
| Reserve coverage of non-performing loans | 29.79% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.39% |
| Return on equity | 2.78% |
| Net interest margin | 3.19% |
| Efficiency ratio | 86.99% |
| Yield on earning assets | 4.20% |
| Cost of funds | 1.01% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 52.29% |
| Core deposits to total deposits | 94.65% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 81.74% |
| Securities to assets | 40.04% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 31.69% | 31.69% | 32.38% | 13.61% | 0.22% |
| Q4 2023 | 31.61% | 31.61% | 32.30% | 13.64% | 0.39% |
| Q1 2024 | 31.65% | 31.65% | 32.34% | 13.76% | 0.07% |
| Q2 2024 | 32.12% | 32.12% | 32.81% | 13.92% | 0.16% |
| Q3 2024 | 29.18% | 29.18% | 30.02% | 14.02% | 0.11% |
| Q4 2024 | 32.08% | 32.08% | 33.05% | 13.56% | 0.18% |
| Q1 2025 | 32.09% | 32.09% | 32.93% | 13.31% | 0.01% |
| Q2 2025 | 31.99% | 31.99% | 32.48% | 13.20% | -0.52% |
| Q3 2025 | 32.24% | 32.24% | 32.70% | 13.58% | 0.42% |
| Q4 2025 | 32.47% | 32.47% | 32.94% | 13.59% | 0.30% |
| Q1 2026 | 32.64% | 32.64% | 33.12% | 13.66% | 0.29% |
| Q2 2026 | 32.76% | 32.76% | 33.24% | 13.68% | 0.39% |
First Federal Bank of Ohio vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Federal 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 Federal Bank of Ohio profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27643) · FFIEC NIC profile (RSSD 207470)