BlastPoint's Banking Scorecard
First Federal Bank of Ohio
Designations: ✓ Mutual
Galion, OH
9 branches across OH
First Federal Bank of Ohio faces 5 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 0.4% in tier
- - Liquidity Overhang: Bottom 27.9% in tier
- - Return on Assets 0.96% below tier average
- - Efficiency Ratio 25.19% above tier average
- - Net Interest Margin 0.87% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$283.0M
-1.3% YoY
+1.6% QoQ
|
-$103.1M |
$386.1M
+0.5% YoY
|
$35.8B
+10.6% YoY
|
$6.2B
+9.1% YoY
|
43% |
| Total Loans ? |
$120.3M
+2.7% YoY
+0.3% QoQ
|
-$135.4M |
$255.7M
+1.1% YoY
|
$15.7B
+12.8% YoY
|
$3.2B
+10.8% YoY
|
26% |
| Total Deposits ? |
$234.8M
-3.0% YoY
+0.5% QoQ
|
-$93.1M |
$328.0M
+0.1% YoY
|
$25.9B
+8.5% YoY
|
$4.8B
+8.2% YoY
|
42% |
| Return on Assets ? |
0.30%
+451.7% QoQ
|
-0.96% |
1.27%
+12.9% YoY
|
1.12%
+9.9% YoY
|
1.23%
+13.4% YoY
|
Bottom 8.1% in tier |
| Net Interest Margin ? |
3.06%
+11.6% YoY
+4.2% QoQ
|
-0.87% |
3.93%
+6.0% YoY
|
3.58%
+7.5% YoY
|
3.89%
+5.7% YoY
|
Bottom 13.3% in tier |
| Efficiency Ratio ? |
90.48%
-2.6% YoY
+3.9% QoQ
|
+25.19% |
65.29%
-4.5% YoY
|
72.65%
-4.0% YoY
|
66.95%
-4.1% YoY
|
Bottom 6.2% in tier |
| Delinquency Rate ? |
0.93%
-69.7% YoY
-10.2% QoQ
|
+0.05% |
0.89%
+18.8% YoY
|
0.65%
+14.5% YoY
|
0.95%
+18.8% YoY
|
30% |
| Loan-to-Deposit Ratio ? |
51.22%
+5.9% YoY
-0.2% QoQ
|
-25.42% |
76.64%
+0.8% YoY
|
79.14%
+0.8% YoY
|
76.70%
+0.9% YoY
|
Top 10.5% in tier |
| Non-Interest-Bearing Deposit Share ? |
19.35%
+3.2% YoY
+0.5% QoQ
|
-2.67% |
22.02%
-1.0% YoY
|
18.08%
-0.4% YoY
|
22.01%
-1.2% YoY
|
42% |
| Nonperforming Asset Ratio ? |
0.40%
-68.5% YoY
-11.4% QoQ
|
-0.24% |
0.64%
+19.7% YoY
|
0.44%
+14.5% YoY
|
0.67%
+19.3% YoY
|
44% |
| Tier 1 Capital Ratio ? |
32.64%
+1.7% YoY
+0.5% QoQ
|
+16.81% |
15.83%
+1.5% YoY
|
19.44%
+3.1% YoY
|
17.06%
+0.8% YoY
|
Top 2.9% in tier |
| Non-Interest Income / Assets ? |
0.09%
-23.5% YoY
-82.3% QoQ
|
-0.19% |
0.28%
+9.3% YoY
|
0.57%
-2.4% YoY
|
0.32%
+4.1% YoY
|
46% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (2)
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.