First Federal Community Bank, N.A.: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
First Federal Community Bank, N.A. is a locally rooted FDIC-insured community bank based in Dover, OH. The Q2 2026 balance sheet stands at $995M in assets, including $761M in loans. Profitability is strong, 1.96% ROA, paired with 22.25% ROE and a 3.99% net interest margin. Regulatory capital is solid, 12.74% CET1 and 13.82% total risk-based capital ratio. Asset quality is pristine, 0.08% NPLs and a 0.64% Texas Ratio. 8 branches make up the footprint.
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%, a Texas ratio of 0.64%, per financial data filed with the FFIEC.
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)
- Offices
- 8 domestic
- 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
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full First Federal Community Bank, N.A. terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
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How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.74% | 1.96% | 0.08% | 0.64% | 3.99% |
| Q1 2026 | 12.38% | 1.78% | 0.15% | 1.21% | 3.99% |
| Q4 2025 | 12.43% | 1.80% | 0.17% | 1.42% | 4.11% |
| Q3 2025 | 12.34% | 1.74% | 0.10% | 0.81% | 4.06% |
| Q2 2025 | 12.45% | 1.65% | 0.11% | 0.91% | 3.89% |
| Q1 2025 | 12.59% | 1.46% | 0.09% | 0.76% | 3.58% |
| Q4 2024 | 12.68% | 1.53% | 0.14% | 1.20% | 3.57% |
| Q3 2024 | 12.38% | 1.43% | 0.13% | 1.09% | 3.52% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 8 branches →
| 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
What the public regulatory sources show for First Federal Community Bank, N.A., each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- 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 185 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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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. All figures come directly from the bank's quarterly Schedule RC filing.
Where is First Federal Community Bank, N.A. headquartered?
First Federal Community Bank, N.A. is headquartered in Dover, OH, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was First Federal Community Bank, N.A. founded?
First Federal Community Bank, N.A. was established in 1898, per the FDIC institution directory.
Is First Federal Community Bank, N.A. FDIC-insured?
Yes. First Federal Community Bank, N.A. 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is First Federal Community Bank, N.A.'s CET1 capital ratio?
First Federal Community Bank, N.A. 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?
First Federal Community Bank, N.A. 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?
First Federal Community Bank, N.A.'s Texas Ratio is 0.64% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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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