BlastPoint's Banking Scorecard

First Bank of Central Ohio

$100M-$1B Specialty: Commercial OH FDIC cert 59249

Worthington, OH

3 branches across OH

2664 banks in the $100M-$1B peer group nationally 98 in OH

First Bank of Central Ohio has 1 strength but faces 4 concerns

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

+ Delinquency Rate 0.08% below tier average

Key Concerns

Areas that may need attention

- NIB Deposit Bleed: Bottom 50.5% in tier
- Return on Assets 1.47% below tier average
- Efficiency Ratio 35.09% above tier average
- Net Interest Margin 0.93% below tier average

Get updates when First Bank of Central Ohio releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Total Assets ?	$246.1M +18.8% YoY -2.8% QoQ	-$140.0M	$386.1M +0.5% YoY	$35.8B +10.6% YoY	$6.2B +9.1% YoY	36%
Total Loans ?	$197.5M +21.9% YoY +2.6% QoQ	-$58.3M	$255.7M +1.1% YoY	$15.7B +12.8% YoY	$3.2B +10.8% YoY	48%
Total Deposits ?	$216.7M +21.2% YoY -3.4% QoQ	-$111.3M	$328.0M +0.1% YoY	$25.9B +8.5% YoY	$4.8B +8.2% YoY	38%
Return on Assets ?	-0.20% +46.9% YoY +43.2% QoQ	-1.47%	1.27% +12.9% YoY	1.12% +9.9% YoY	1.23% +13.4% YoY	Bottom 2.6% in tier
Net Interest Margin ?	3.00% -0.8% YoY -9.8% QoQ	-0.93%	3.93% +6.0% YoY	3.58% +7.5% YoY	3.89% +5.7% YoY	Bottom 11.6% in tier
Efficiency Ratio ?	100.37% -7.2% YoY +9.7% QoQ	+35.09%	65.29% -4.5% YoY	72.65% -4.0% YoY	66.95% -4.1% YoY	Bottom 2.4% in tier
Delinquency Rate ?	0.80% +481.4% YoY +217.1% QoQ	-0.08%	0.89% +18.8% YoY	0.65% +14.5% YoY	0.95% +18.8% YoY	33%
Loan-to-Deposit Ratio ?	91.11% +0.5% YoY +6.1% QoQ	+14.47%	76.64% +0.8% YoY	79.14% +0.8% YoY	76.70% +0.9% YoY	22%
Non-Interest-Bearing Deposit Share ?	10.37% -19.3% YoY -5.7% QoQ	-11.65%	22.02% -1.0% YoY	18.08% -0.4% YoY	22.01% -1.2% YoY	Bottom 11.6% in tier
Nonperforming Asset Ratio ?	0.64% +496.6% YoY +234.7% QoQ	+0.01%	0.64% +19.7% YoY	0.44% +14.5% YoY	0.67% +19.3% YoY	31%
Tier 1 Capital Ratio ?	10.21% -20.3% YoY -3.9% QoQ	-5.62%	15.83% +1.5% YoY	19.44% +3.1% YoY	17.06% +0.8% YoY	Bottom 12.0% in tier
Non-Interest Income / Assets ?	0.13% -42.6% YoY -88.8% QoQ	-0.15%	0.28% +9.3% YoY	0.57% -2.4% YoY	0.32% +4.1% YoY	68%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 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 (1)

NIB Deposit Bleed

decline

#101 of 198 • Bottom 50.5% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature

Noninterest-Bearing Deposit Share: 10.37%

(Tier: 22.02%, National: 22.01%)

worse than tier avg

198 of 198 Community banks match · 238 nationally

↓ Shrinking -31 banks QoQ

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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (6 metrics)

2601

Efficiency Ratio

profitability

Value: 100.37%

Peer Median: 65.29%

#2601 of 2664 Bottom 2.4% in $100M-$1B

2597

Return on Assets

profitability

Value: -0.20%

Peer Median: 1.27%

#2597 of 2664 Bottom 2.6% in $100M-$1B

2357

Non-Interest-Bearing Deposit Share

funding

Value: 10.37%

Peer Median: 22.02%

#2357 of 2664 Bottom 11.6% in $100M-$1B

2355

Net Interest Margin

profitability

Value: 3.00%

Peer Median: 3.93%

#2355 of 2664 Bottom 11.6% in $100M-$1B

2344

Tier 1 Capital Ratio

capital

Value: 10.21%

Peer Median: 15.83%

#2344 of 2664 Bottom 12.0% in $100M-$1B

2070

Loan-to-Deposit Ratio

liquidity

Value: 91.11%

Peer Median: 76.64%

#2070 of 2664 Bottom 22.3% in $100M-$1B