First Federal Community Bank, N.A.
Also written as FFCB
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Data as of · sourced from FFIEC call reports. How we update
First Federal Community Bank, N.A. is an FDIC-insured commercial bank headquartered in Dover, OH, established in 1898 (FDIC certificate 29787), and it is supervised by the OCC. At Q2 2026 it reported total assets of $994.6M, up 17.4% from Q2 2025, the 37th largest of 154 banks headquartered in Ohio. Its CET1 capital ratio was 12.74% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 29787
- Headquarters
- Dover, OH
- Established
- 1898
- Total assets, Q2 2026
- $994.6M
- Assets vs Q2 2025
- +17.4%
- CET1 ratio, Q2 2026
- 12.74%
- Domestic offices
- 8 FDIC institution directory, current count
- Routing number
- 241270916
- Latest call report
- Q2 2026, FFIEC 041 · First Federal Community Bank, N.A. Q3 2026 call report, filed October 23, 2026 (preliminary)
- Holding company
- FFD FINANCIAL CORPORATION
- Asset rank in state
- 37th of 154 in Ohio
First Federal Community Bank, N.A. is one of the more profitable banks of its size. It reported $995 million in assets at June 30, 2026, up 17.4% from a year earlier. It returns 22.3% a year on shareholders' equity, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 12.5%). It also spends about 42 cents to bring in each dollar of revenue, lower than about 9 in 10 banks its size (median 61 cents).
Earnings jumped: net income for the quarter was $4.7 million, 36% above the same quarter a year earlier. Over the same year, loans grew 13.9% and deposits grew 17.2%. Where it has less room is capital: it funds 9.40% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
As of June 30, 2026, First Federal Community Bank, N.A. reported a CET1 capital ratio of 12.74%, a return on assets of 1.96%, a nonperforming-loan ratio of 0.08% and a Texas ratio of 0.63%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, First Federal Community Bank, N.A. is the 37th largest of the 154 banks headquartered in Ohio. From Q1 2026 to Q2 2026, its total assets rose 6.1% to $994.6M, loans rose 2.4% and deposits rose 8.9%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 41.6% of total loans, ahead of owner-occupied commercial real estate loans at 20.6%. Its 8 offices in the FDIC Summary of Deposits are in 7 cities in OH; its Dover 2 offices book 44% of its branch deposits. On its Q2 2026 call report, First Federal Community Bank, N.A. meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 141 W Ohio Ave, Dover, OH 44622
- County
- Tuscarawas
- Metro Area
- New Philadelphia-Dover, OH
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- January 1, 1898
- Former names
- First Federal Community Bank (2001-2012)
- Domestic offices
- 8 FDIC institution directory, current count
- Employees (FTE)
- 104
- Domestic deposits
- $897.2M
- Allowance for credit losses
- $7.5M
- Net charge-offs (YTD)
- -$3K
- Average total assets
- $966.2M
- Average total loans
- $750.3M
- Average interest-bearing deposits
- $685.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 29787
- Fed RSSD
- 540775
- SEC CIK
- 1006177 → filed by FFD FINANCIAL CORPORATION
- Website
- www.firstfed.com →
- Parent Holding Company
- FFD FINANCIAL CORPORATION (RSSD 2506805)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
First Federal Community Bank, N.A.'s total assets moved between a low of $740.3M (Q3 2023) and a high of $994.6M (Q2 2026) from Q3 2023 to Q2 2026, 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
$994.6M total assets against $847.2M; $907.5M total liabilities against $774.6M.
$753.8M net loans and leases against $661.6M; $897.2M total deposits against $765.4M.
$64.4M securities against $59.3M; $130.5M cash and balances due against $81.0M.
$13.3M total interest income against $11.3M; $4.3M total interest expense against $3.8M.
$9.0M net interest income against $7.5M.
$1.2M total noninterest income against $965K; $4.3M total noninterest expense against $4.0M.
$142K provision for credit losses against $307K.
$4.7M net income against $3.5M.
1.96% return on assets against 1.65%; 3.99% net interest margin against 3.89%.
12.74% CET1 capital ratio against 12.45%; 9.40% tier 1 leverage ratio against 9.37%.
Inside the full First Federal Community Bank, N.A. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFirst Federal Community Bank, N.A. rankings
Its closest position to the top of a national ranking is 252 of 3,606, for efficiency ratio; its furthest is 2,892 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.43% (Q3 2024) to 1.96% (Q2 2026) and its net interest margin ran from 3.52% (Q3 2024) to 4.11% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.74% | 1.96% | 0.08% | 0.63% | 3.99% |
| Q1 2026 | 12.38% | 1.78% | 0.14% | 1.19% | 3.99% |
| Q4 2025 | 12.43% | 1.80% | 0.17% | 1.41% | 4.11% |
| Q3 2025 | 12.34% | 1.74% | 0.09% | 0.79% | 4.06% |
| Q2 2025 | 12.45% | 1.65% | 0.11% | 0.89% | 3.89% |
| Q1 2025 | 12.59% | 1.46% | 0.09% | 0.74% | 3.58% |
| Q4 2024 | 12.68% | 1.53% | 0.14% | 1.17% | 3.57% |
| Q3 2024 | 12.38% | 1.43% | 0.13% | 1.07% | 3.52% |
Swipe the table sideways to see every column.
Branch Network
View all 8 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 Federal Community Bank, N.A. (main office) | Dover , OH | 44622 | $250.4M |
| Dover Branch | Dover , OH | 44622 | $144.3M |
| Sugarcreek Branch | Sugarcreek , OH | 44681 | $125.0M |
| Berlin Branch | Berlin , OH | 44610 | $104.9M |
| West High Avenue Branch | New Philadelphia , OH | 44663 | $100.5M |
| Mt. Hope Branch | Mount Hope , OH | 44660 | $69.9M |
| Uhrichsville Branch | Uhrichsville , OH | 44683 | $65.0M |
| Fulton Branch | Canton , OH | 44718 | $37.2M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 2 against the institution (OCC, OCC (former OTS))
- November 24, 2015, OCC: Civil Money Penalty (CMP): First Federal Community Bank, National Association
- May 8, 1992, OCC (former OTS): Supervisory Agreement: First Federal Savings Bank of Dover
- Period: Most recent institution action November 24, 2015. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.2% of deposits in OH, rank 43 of 184 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $455K approved, $228K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), 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 Federal Community Bank, N.A.
What are First Federal Community Bank, N.A.'s total assets?
As of the Q2 2026 filing, First Federal Community Bank, N.A. reported total assets of $994.6 million in its FFIEC call report.
Where is First Federal Community Bank, N.A. headquartered?
It is headquartered in Dover, OH, United States.
When was First Federal Community Bank, N.A. founded?
It was established in 1898, per the FDIC institution directory.
Is First Federal Community Bank, N.A. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #29787). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Federal Community Bank, N.A.?
First Federal Community Bank, N.A.'s primary federal regulator is the OCC.
What is First Federal Community Bank, N.A.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.74% in its Q2 2026 call report, above regulatory requirements.
How many branches does First Federal Community Bank, N.A. operate?
It operates 8 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First Federal Community Bank, N.A.'s Texas Ratio?
Its Texas Ratio is 0.63% 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.
What was First Federal Community Bank, N.A. previously called?
The charter now named First Federal Community Bank, N.A. has also operated as First Federal Community Bank (2001-2012), per FDIC structure-change records.
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