The Old Fort Banking Company
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Data as of · sourced from FFIEC call reports. How we update
The Old Fort Banking Company is an FDIC-insured commercial bank headquartered in Old Fort, OH, established in 1916 (FDIC certificate 10255), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $843.9M, down 1.4% from Q2 2025, the 42nd largest of 154 banks headquartered in Ohio. Its CET1 capital ratio was 15.16% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 10255
- Headquarters
- Old Fort, OH
- Established
- 1916
- Total assets, Q2 2026
- $843.9M
- Assets vs Q2 2025
- -1.4%
- CET1 ratio, Q2 2026
- 15.16%
- Domestic offices
- 11 FDIC institution directory, current count
- Routing number
- 041212637
- Latest call report
- Q2 2026, FFIEC 051 · The Old Fort Banking Company call report
- Holding company
- GILLMOR FINANCIAL SERVICES, INC.
- Asset rank in state
- 42nd of 154 in Ohio
The Old Fort Banking Company is one of the more profitable banks of its size. The Old Fort, Ohio bank had $844 million in assets at June 30, 2026, down 1.4% from a year earlier. It returns 22.5% a year on shareholders' equity, about double the median of 12.5% for the 2,660 banks with $100 million to $1 billion in assets. On the other hand, it keeps 3.01 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 banks its size (median 3.95 cents).
Earnings jumped: net income for the quarter was $3.2 million, 41% above the same quarter a year earlier. Over the same year, loans grew 6.9% and deposits shrank 2.6%. Where it has less room is capital: it funds 8.89% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
As of June 30, 2026, The Old Fort Banking Company reported a CET1 capital ratio of 15.16%, a return on assets of 1.49%, a nonperforming-loan ratio of 0.20% and a Texas ratio of 1.55%. The figures come from its call report filed with the FFIEC.
The Old Fort Banking Company ranks as the 42nd largest of the 154 banks based in Ohio, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 1.2% to $843.9M, loans rose 0.6% and deposits fell 1.3%. 1-4 family residential loans made up 40.2% of its total loans on June 30, 2026, its largest category; next came commercial and industrial loans at 19.2%. Its 10 offices in the FDIC Summary of Deposits are in 9 cities in OH; its Tiffin 2 offices book 38% of its branch deposits. On its Q2 2026 call report, The Old Fort Banking Company meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 8034 Main St, Old Fort, OH 44861
- County
- Seneca
- Metro Area
- Tiffin, OH
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 16, 1916
- Domestic offices
- 11 FDIC institution directory, current count
- Employees (FTE)
- 95
- Domestic deposits
- $781.8M
- Allowance for credit losses
- $5.2M
- Net charge-offs (YTD)
- $17K
- Average total assets
- $861.3M
- Average total loans
- $482.1M
- Average interest-bearing deposits
- $596.6M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 10255
- Fed RSSD
- 564324
- Website
- http://www.oldfortbank.com →
- Parent Holding Company
- GILLMOR FINANCIAL SERVICES, INC. (RSSD 2257620)
- Ultimate Parent
- RSSD 4902465
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
From Q3 2023 to Q2 2026, The Old Fort Banking Company's total assets ranged from $817.7M (Q4 2023) to $870.7M (Q3 2025), 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
$843.9M total assets against $856.2M; $786.6M total liabilities against $806.7M.
$479.6M net loans and leases against $448.9M; $781.8M total deposits against $802.3M.
$313.9M securities against $311.4M; $30.7M cash and balances due against $74.1M.
$9.2M total interest income against $8.5M; $2.9M total interest expense against $3.4M.
$6.3M net interest income against $5.1M.
$1.0M total noninterest income against $1.1M; $4.1M total noninterest expense against $3.8M.
$54K provision for credit losses against $25K.
$3.2M net income against $2.3M.
1.49% return on assets against 1.06%; 3.01% net interest margin against 2.44%.
15.16% CET1 capital ratio against 14.98%; 8.89% tier 1 leverage ratio against 8.44%.
Inside the full The Old Fort Banking Company terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Old Fort Banking Company rankings
Its closest position to the top of a national ranking is 1,191 of 4,196, for total assets; its furthest is 2,445 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.85% (Q3 2024) to 1.49% (Q2 2026) and its net interest margin ran from 2.06% (Q3 2024) to 3.01% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.16% | 1.49% | 0.20% | 1.55% | 3.01% |
| Q1 2026 | 14.95% | 1.35% | 0.21% | 1.60% | 2.87% |
| Q4 2025 | 14.59% | 1.37% | 0.14% | 1.06% | 2.96% |
| Q3 2025 | 14.82% | 1.17% | 0.00% | 0.02% | 2.59% |
| Q2 2025 | 14.98% | 1.06% | 0.00% | 0.00% | 2.44% |
| Q1 2025 | 15.45% | 0.97% | 0.00% | 0.00% | 2.36% |
| Q4 2024 | 14.95% | 0.93% | 0.00% | 0.00% | 2.19% |
| Q3 2024 | 14.40% | 0.85% | 0.00% | 0.00% | 2.06% |
Swipe the table sideways to see every column.
Branch Network
View all 10 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 |
|---|---|---|---|
| Tiffin Westgate Branch | Tiffin , OH | 44883 | $153.4M |
| Tiffin Downtown Branch | Tiffin , OH | 44883 | $145.8M |
| Sugarcreek Township Branch | Dayton , OH | 45459 | $121.4M |
| Findlay Branch | Findlay , OH | 45840 | $102.7M |
| Fremont Branch | Fremont , OH | 43420 | $59.3M |
| Clyde Branch | Clyde , OH | 43410 | $50.6M |
| Fostoria Branch | Fostoria , OH | 44830 | $43.9M |
| Xenia Branch | Xenia , OH | 45385 | $36.1M |
| The Old Fort Banking Company | Old Fort , OH | 44861 | $34.8M |
| Bettsville Branch | Bettsville , OH | 44815 | $33.9M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in OH, rank 48 of 184 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 340 applications, 187 loans originated, $52.0M originated, across 5 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $374K approved, $374K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2013 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 The Old Fort Banking Company
What are The Old Fort Banking Company's total assets?
As of the Q2 2026 filing, The Old Fort Banking Company reported total assets of $843.9 million in its FFIEC call report.
Where is The Old Fort Banking Company headquartered?
It is headquartered in Old Fort, OH, United States.
When was The Old Fort Banking Company founded?
It was established in 1916, per the FDIC institution directory.
Is The Old Fort Banking Company FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #10255). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Old Fort Banking Company?
The Old Fort Banking Company's primary federal regulator is the FDIC.
What is The Old Fort Banking Company's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 15.16% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The Old Fort Banking Company operate?
It operates 11 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Old Fort Banking Company's Texas Ratio?
Its Texas Ratio is 1.55% 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.
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