Asset Quality ranking · Ohio · Call report data as of September 30, 2026
Ohio Banks: Highest CRE Delinquency
The Fahey Banking Company has the highest commercial real estate noncurrent rate of the 89 ranked banks headquartered in Ohio, at 4.82% as of September 30, 2026. The median among the 89 ranked Ohio banks is 0.26%, against 0.19% for all US banks. That top value sits far outside the middle half of ranked banks (0.00% to 1.11%). A rate this far from the middle usually comes from a few large problem loans or from lending to borrowers with lower credit scores, so read it beside the bank's dollar amounts and its trend.
This list ranks Ohio banks by commercial real estate noncurrent rate. For the largest banks headquartered in Ohio, see largest banks in Ohio.
- No. 1 in Ohio
- The Fahey Banking Company
- Its CRE noncurrent
- 4.82%
- Ohio median
- 0.26%
- Banks ranked
- 89
Ranked among banks headquartered in Ohio, numbered 1 to 89 within the state from the same population as the national list. Browse every bank in the Ohio bank directory.
Top 89 Ohio banks by commercial real estate noncurrent rate
Highest first. Select a column heading to sort. The gap column shows each bank's distance from the Ohio median of 0.26%. Missing values show as a dash and sort last.
| 1 | The Fahey Banking Company Marion, OH | 4.82% | $389.9M $100M to $1B |
| 2 | The First National Bank of Waverly Waverly, OH | 3.61% | $202.4M $100M to $1B |
| 3 | The First National Bank of Bellevue Bellevue, OH | 3.05% | $319.4M $100M to $1B |
| 4 | The Ohio Valley Bank Company Gallipolis, OH | 3.00% | $1.64B $1B to $10B |
| 5 | The First Citizens National Bank of Upper Sandusky Upper Sandusky, OH | 2.70% | $389.5M $100M to $1B |
| 6 | Somerville Bank Eaton, OH | 2.52% | $292.2M $100M to $1B |
| 7 | Belmont Savings Bank Bellaire, OH | 2.35% | $596.0M $100M to $1B |
| 8 | The Richwood Banking Company, Inc. Richwood, OH | 2.13% | $1.28B $1B to $10B |
| 9 | Farmers & Merchants Bank Miamisburg, OH | 1.76% | $371.3M $100M to $1B |
| 10 | Valley Central Bank Liberty Township, OH | 1.64% | $185.6M $100M to $1B |
| 11 | The Home Loan Savings Bank Coshocton, OH | 1.64% | $388.8M $100M to $1B |
| 12 | Signature Bank, N.A. Toledo, OH | 1.63% | $1.37B $1B to $10B |
| 13 | JPMorgan Chase Bank, N.A. Columbus, OH | 1.62% | $4.17T $100B and over |
| 14 | U.S. Bank N.A. Cincinnati, OH | 1.49% | $685.33B $100B and over |
| 15 | New Carlisle Federal Savings Bank New Carlisle, OH | 1.47% | $332.5M $100M to $1B |
| 16 | The Commercial and Savings Bank of Millersburg, Ohio Millersburg, OH | 1.42% | $1.31B $1B to $10B |
| 17 | United Midwest Savings Bank, N.A. De Graff, OH | 1.39% | $534.1M $100M to $1B |
| 18 | North Valley Bank Zanesville, OH | 1.38% | $433.8M $100M to $1B |
| 19 | Peoples State Bank New Lexington, OH | 1.37% | $303.8M $100M to $1B |
| 20 | The Huntington National Bank Columbus, OH | 1.27% | $287.08B $100B and over |
| 21 | First Federal Savings and Loan Association of Lakewood Lakewood, OH | 1.22% | $3.00B $1B to $10B |
| 22 | The Citizens National Bank of Bluffton Bluffton, OH | 1.14% | $1.09B $1B to $10B |
| 23 | The Park National Bank Newark, OH | 1.11% | $12.60B $10B to $100B |
| 24 | The Farmers National Bank of Canfield Canfield, OH | 1.10% | $7.10B $1B to $10B |
| 25 | Minster Bank Minster, OH | 1.06% | $842.3M $100M to $1B |
| 26 | First Financial Bank Cincinnati, OH | 0.96% | $22.22B $10B to $100B |
| 27 | Cfbank N.A. Columbus, OH | 0.90% | $2.21B $1B to $10B |
| 28 | Unified Bank Martins Ferry, OH | 0.89% | $893.2M $100M to $1B |
| 29 | Riverhills Bank Milford, OH | 0.87% | $330.8M $100M to $1B |
| 30 | The Union Bank Company Columbus Grove, OH | 0.86% | $1.45B $1B to $10B |
| 31 | Main Street Bank Corp. Wooster, OH | 0.79% | $1.61B $1B to $10B |
| 32 | Fifth Third Bank, N.A. Cincinnati, OH | 0.69% | $300.34B $100B and over |
| 33 | National Cooperative Bank, N.A. Hillsboro, OH | 0.68% | $4.25B $1B to $10B |
| 34 | KeyBank N.A. Cleveland, OH | 0.60% | $190.15B $100B and over |
| 35 | Portage Community Bank Ravenna, OH | 0.52% | $561.6M $100M to $1B |
| 36 | Merchants National Bank Hillsboro, OH | 0.50% | $1.27B $1B to $10B |
| 37 | The Citizens Bank Company Beverly, OH | 0.47% | $337.3M $100M to $1B |
| 38 | The Community Bank Zanesville, OH | 0.34% | $683.7M $100M to $1B |
| 39 | LCNB National Bank Lebanon, OH | 0.32% | $2.28B $1B to $10B |
| 40 | The Hocking Valley Bank Athens, OH | 0.31% | $354.9M $100M to $1B |
| 41 | First National Bank in New Bremen New Bremen, OH | 0.31% | $470.6M $100M to $1B |
| 42 | The Farmers Bank and Savings Company Pomeroy, OH | 0.30% | $469.1M $100M to $1B |
| 43 | The Andover Bank Andover, OH | 0.28% | $589.0M $100M to $1B |
| 44 | First State Bank Winchester, OH | 0.27% | $1.22B $1B to $10B |
| 45 | Waterford Bank, N.A. Toledo, OH | 0.26% | $1.84B $1B to $10B |
| 46 | Civista Bank Sandusky, OH | 0.22% | $4.30B $1B to $10B |
| 47 | Independence Bank Independence, OH | 0.20% | $183.9M $100M to $1B |
| 48 | The Cincinnatus Savings and Loan Company Cheviot, OH | 0.20% | $189.6M $100M to $1B |
| 49 | Peoples Bank Marietta, OH | 0.19% | $9.64B $1B to $10B |
| 50 | The Old Fort Banking Company Old Fort, OH | 0.16% | $830.8M $100M to $1B |
| 51 | The First National Bank of Pandora Pandora, OH | 0.15% | $304.8M $100M to $1B |
| 52 | Vinton County National Bank McArthur, OH | 0.12% | $1.62B $1B to $10B |
| 53 | Spring Valley Bank Wyoming, OH | 0.10% | $108.2M $100M to $1B |
| 54 | Buckeye State Bank Powell, OH | 0.08% | $598.6M $100M to $1B |
| 55 | The Genoa Banking Company Genoa, OH | 0.04% | $767.2M $100M to $1B |
| 56 | The Croghan Colonial Bank Fremont, OH | 0.01% | $1.41B $1B to $10B |
| 57 | Buckeye Community Bank Elyria, OH | 0.01% | $248.9M $100M to $1B |
| 58 | First Federal Community Bank, N.A. Dover, OH | 0.01% | $1.03B $1B to $10B |
| 59 | Union Savings Bank Cincinnati, OH | 0.00% | $4.07B $1B to $10B |
| 60 | The Farmers & Merchants State Bank Archbold, OH | 0.00% | $3.58B $1B to $10B |
| 61 | Sutton Bank Attica, OH | 0.00% | $1.96B $1B to $10B |
| 62 | The State Bank and Trust Company Defiance, OH | 0.00% | $1.60B $1B to $10B |
| 63 | Guardian Savings Bank West Chester, OH | 0.00% | $1.40B $1B to $10B |
| 64 | Consumers National Bank Minerva, OH | 0.00% | $1.29B $1B to $10B |
| 65 | The North Side Bank and Trust Company Cincinnati, OH | 0.00% | $1.18B $1B to $10B |
| 66 | The Killbuck Savings Bank Company Killbuck, OH | 0.00% | $965.2M $100M to $1B |
| 67 | Mechanics Bank Mansfield, OH | 0.00% | $919.6M $100M to $1B |
| 68 | The Peoples Bank Co. Coldwater, OH | 0.00% | $858.7M $100M to $1B |
| 69 | Greenville National Bank Greenville, OH | 0.00% | $646.5M $100M to $1B |
| 70 | Kingston National Bank Kingston, OH | 0.00% | $582.9M $100M to $1B |
| 71 | The Savings Bank Circleville, OH | 0.00% | $521.0M $100M to $1B |
| 72 | Ohio State Bank Bexley, OH | 0.00% | $500.3M $100M to $1B |
| 73 | Osgood Bank Osgood, OH | 0.00% | $481.9M $100M to $1B |
| 74 | The St. Henry Bank Saint Henry, OH | 0.00% | $422.3M $100M to $1B |
| 75 | Greenway Bank Van Wert, OH | 0.00% | $407.5M $100M to $1B |
| 76 | First Federal Community Bank of Bucyrus Bucyrus, OH | 0.00% | $390.8M $100M to $1B |
| 77 | SSB Community Bank Strasburg, OH | 0.00% | $321.8M $100M to $1B |
| 78 | The Fort Jennings State Bank Fort Jennings, OH | 0.00% | $290.0M $100M to $1B |
| 79 | The Apple Creek Banking Company Apple Creek, OH | 0.00% | $280.1M $100M to $1B |
| 80 | The Harrison Building and Loan Association Harrison, OH | 0.00% | $266.8M $100M to $1B |
| 81 | First Bank of Central Ohio Worthington, OH | 0.00% | $259.2M $100M to $1B |
| 82 | Greenville Federal Greenville, OH | 0.00% | $258.7M $100M to $1B |
| 83 | Hometown Bank Kent, OH | 0.00% | $251.7M $100M to $1B |
| 84 | Home Savings and Loan Company of Kenton, Ohio, the dba HSLC Kenton, OH | 0.00% | $245.0M $100M to $1B |
| 85 | 1st National Bank Lebanon, OH | 0.00% | $242.4M $100M to $1B |
| 86 | The First National Bank of Sycamore Sycamore, OH | 0.00% | $234.7M $100M to $1B |
| 87 | Monroe Federal Savings and Loan Association Tipp City, OH | 0.00% | $144.7M $100M to $1B |
| 88 | Adelphi Bank Columbus, OH | 0.00% | $136.1M $100M to $1B |
| 89 | The Hamler State Bank Hamler, OH | 0.00% | $125.3M $100M to $1B |
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Definition and formula
The commercial real estate (CRE) noncurrent rate on this list is the share of a bank's loans secured by nonfarm nonresidential property, such as offices, stores, warehouses and hotels, that are on nonaccrual or 90 or more days past due and still accruing. Owner-occupied and investor-owned property are both included. Multifamily and construction loans are reported on their own lines of the call report and are not.
CRE noncurrent rate = (Nonfarm nonresidential loans on nonaccrual + Nonfarm nonresidential loans 90+ days past due and still accruing) / Nonfarm nonresidential loans
The glossary entry for Commercial Real Estate Loans explains each term, the call report items behind it and a worked example.
Which banks are ranked
This list ranks the 89 banks headquartered in Ohio that meet every rule below, using each bank's latest FFIEC call report (data as of September 30, 2026).
- Banks with at least $100M in total assets, so a ratio on a very small balance sheet cannot lead the list.
- Banks with at least $25M in nonfarm nonresidential (commercial property) loans, so a rate on a few loans cannot lead the list.
- Lending institutions only: charters with loans under 5% of assets, mostly trust and custody banks, are not ranked.
- Charters the regulator has closed, merged or converted are excluded.
- Each bank charter ranks on its own; holding companies are not combined.
What moves the CRE noncurrent rate
The rate rises when tenants leave or rents fall far enough that a property's income no longer covers its loan payments, as has happened to many office buildings since 2020, and when a maturing loan cannot be refinanced at current rates. Owner-occupied loans depend more on the borrower's business than on the building, so a bank whose book is mostly owner-occupied tends to run a lower rate. A single large loan can move a small bank's rate by several points, so compare it with the dollar amounts and the trend.
Frequently asked questions
Which bank in Ohio has the highest commercial real estate noncurrent rate?
The Fahey Banking Company has the highest commercial real estate noncurrent rate of the 89 ranked banks headquartered in Ohio, at 4.82% as of September 30, 2026, according to its FFIEC call report. The First National Bank of Waverly ranks second at 3.61%. The median is 0.26%.
What is the median CRE noncurrent rate among ranked US banks?
As of Q3 2026, CRE noncurrent rate for the middle half of the 2,776 ranked US banks ran from 0.00% to 1.05%, and the median was 0.19%. Compare a bank with peers of the same size and business model rather than with the top of this list. See the Commercial Real Estate Loans glossary entry.
How is the CRE noncurrent rate calculated?
CRE noncurrent rate = (Nonfarm nonresidential loans on nonaccrual + Nonfarm nonresidential loans 90+ days past due and still accruing) / Nonfarm nonresidential loans. Each bank charter is ranked on its own; holding companies are not combined. See the Commercial Real Estate Loans glossary entry.
The same ranking in other states
Other Ohio rankings
More asset quality rankings
Source: FFIEC call reports for the quarter ended September 30, 2026, refreshed as each quarter's filings are processed. See data updates for the current freshness window. Next update: Q4 2026 Call Reports are due February 1, 2027; we expect them on the platform by mid-February 2027.
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