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First Federal Bank of Ohio

$100M-$1B Specialty: Mortgage OH FDIC cert 27643

Designations: ✓ Mutual

Galion, OH

9 branches across OH

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 96 in OH.
  • Deposits -3.2% year over year ($231.2M on the books).
  • Delinquency rate 0.94%.
  • Return on assets 0.35%.
  • Efficiency ratio 89.15% vs a 64.48% peer average.
  • Loan-to-deposit ratio 52.04% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 96 in OH
View $100M-$1B leaderboard (OH) →

First Federal Bank of Ohio faces 6 concerns requiring attention

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

  • - Flatlined Growth: Bottom 5.5% in tier
  • - Liquidity Overhang: Bottom 28.7% in tier
  • - Deposit Outflow: Bottom 43.0% in tier
  • - Return on Assets 0.97% below tier average
  • - Efficiency Ratio 24.67% above tier average
  • - Net Interest Margin 0.84% below tier average
Get updates when First Federal Bank of Ohio releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Total Assets ? $282.9M
+0.1% YoY -0.0% QoQ
-$103.7M $386.6M
+1.2% YoY
$36.7B
+9.4% YoY
$6.3B
+7.7% YoY
43%
Total Loans ? $120.3M
+1.8% YoY +0.0% QoQ
-$138.0M $258.3M
+1.7% YoY
$16.2B
+12.1% YoY
$3.2B
+9.4% YoY
25%
Total Deposits ? $231.2M
-3.2% YoY -1.5% QoQ
-$95.5M $326.7M
+0.7% YoY
$26.4B
+7.6% YoY
$4.9B
+7.3% YoY
41%
Return on Assets ? 0.35%
+235.4% YoY +15.8% QoQ
-0.97% 1.32%
+10.8% YoY
1.21%
+9.4% YoY
1.30%
+12.1% YoY
Bottom 8.5% in tier
Net Interest Margin ? 3.15%
+10.4% YoY +3.0% QoQ
-0.84% 3.99%
+5.0% YoY
3.65%
+6.4% YoY
3.95%
+4.9% YoY
Bottom 14.7% in tier
Efficiency Ratio ? 89.15%
+4.2% YoY -1.5% QoQ
+24.67% 64.48%
-3.2% YoY
70.70%
-3.8% YoY
70.05%
+2.5% YoY
Bottom 6.2% in tier
Delinquency Rate ? 0.94%
-8.5% YoY +0.4% QoQ
+0.02% 0.92%
+15.7% YoY
0.68%
+23.3% YoY
0.98%
+16.3% YoY
30%
Loan-to-Deposit Ratio ? 52.04%
+5.1% YoY +1.6% QoQ
-25.91% 77.95%
+1.0% YoY
79.88%
+0.7% YoY
79.03%
+2.3% YoY
Top 9.9% in tier
Non-Interest-Bearing Deposit Share ? 19.38%
+1.7% YoY +0.1% QoQ
-2.65% 22.03%
-0.6% YoY
18.59%
+0.9% YoY
21.98%
-0.6% YoY
42%
Nonperforming Asset Ratio ? 0.40%
-7.0% YoY +0.5% QoQ
-0.27% 0.67%
+16.4% YoY
0.46%
+23.9% YoY
0.69%
+15.8% YoY
44%
Tier 1 Capital Ratio ? 32.76%
+2.4% YoY +0.4% QoQ
+16.85% 15.91%
+1.4% YoY
18.68%
-0.2% YoY
17.09%
+0.8% YoY
Top 3.2% in tier
Non-Interest Income / Assets ? 0.21%
-12.8% YoY +129.8% QoQ
-0.36% 0.57%
+7.6% YoY
1.22%
+2.7% YoY
0.66%
+5.2% YoY
53%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Noninterest-Bearing 19.4%
+0.3pp YoY
0.0pp QoQ
 -2.8pp 22.1% 18.8% 22.2% 42%
Brokered Deposits n/a n/a 7.9% 7.7% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
C&I 0.1%
0.0pp YoY
0.0pp QoQ
 -11.5pp 11.6% 10.2% 12.5% 1%
CRE n/a n/a 39.5% 34.2% 41.4% n/a
1-4 Family 77.8%
-1.9pp YoY
-0.2pp QoQ
 +45.2pp 32.6% 50.0% 31.3% 96%
Consumer 6.0%
+3.3pp YoY
+0.5pp QoQ
 +1.9pp 4.1% 4.7% 5.0% 82%

Capital

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
CET1 Ratio 32.8%
+0.8pp YoY
+0.1pp QoQ
 +13.9pp 18.8% 22.1% 19.7% 95%
Leverage Ratio 13.7%
+0.5pp YoY
0.0pp QoQ
 +1.5pp 12.2% 12.9% 12.6% 80%
Total Capital Ratio 33.2%
+0.8pp YoY
+0.1pp QoQ
 +13.3pp 19.9% 23.2% 20.8% 94%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Full-Time Employees 58
-2 (-3.3%) YoY
0 QoQ
 -1 58 2,433 482 61%
Assets per Employee ($) $4.9M
+3.5% YoY
0.0% QoQ
 -$2.6M $7.5M $7.6M $8.8M 13%
Branch Count 9
0 YoY
0 QoQ
 +4 4 81 18 86%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Past Due 90+ Days 0.0%
-0.1pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.2% 0.4% 29%
Nonaccrual 0.9%
0.0pp YoY
0.0pp QoQ
 0.0pp 0.9% 0.6% 1.0% 69%
Allowance Coverage 0.51x
+6.4% YoY
+2.0% QoQ
 -23.64x 24.15x 18.95x 20.23x 10%
Net Charge-off Rate (YTD) n/a n/a 0.1% 0.1% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
ROE 2.5%
+4.3pp YoY
+0.3pp QoQ
 -9.7pp 12.2% 9.7% 11.6% 7%
Cost of Funds (YTD) 1.1%
-0.1pp YoY
0.0pp QoQ
 -0.7pp 1.7% 1.7% 1.7% 12%
Net Income ($, YTD) $497,000
+234.0% YoY
— QoQ
 -$2.1M $2.6M $259.3M $40.4M 11%

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (3)

Flatlined Growth

risk
#30 of 529 • Bottom 5.5% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 0.35%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 banks QoQ | QoQ rank declining

Liquidity Overhang

risk
#214 of 742 • Bottom 28.7% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 32.76%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 52.04%
(Tier: 77.95%, National: 79.03%)
better than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank declining

Deposit Outflow

decline
#231 of 535 • Bottom 43.0% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally
→ Stable +31 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (2 metrics)

85
Tier 1 Capital Ratio
capital
Value: 32.76%
Peer Median: 15.91%
#85 of 2643 Top 3.2% in $100M-$1B
262
Loan-to-Deposit Ratio
liquidity
Value: 52.04%
Peer Median: 77.95%
#262 of 2643 Top 9.9% in $100M-$1B

Top Weaknesses (3 metrics)

2480
Efficiency Ratio
profitability
Value: 89.15%
Peer Median: 64.48%
#2480 of 2643 Bottom 6.2% in $100M-$1B
2419
Return on Assets
profitability
Value: 0.35%
Peer Median: 1.32%
#2419 of 2643 Bottom 8.5% in $100M-$1B
2256
Net Interest Margin
profitability
Value: 3.15%
Peer Median: 3.99%
#2256 of 2643 Bottom 14.7% in $100M-$1B
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