BlastPoint's Banking Scorecard
First Bank of Ohio
Tiffin, OH
5 branches across OH
First Bank of Ohio has 4 strengths but faces 6 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.79% above tier average
- + Efficiency Ratio 21.80% below tier average
- + ROA 0.59% above tier average
- + Delinquency Rate 0.61% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 2.0% in tier
- - Cost Spiral: Bottom 5.6% in tier
- - Liquidity Strain: Bottom 12.0% in tier
- - Deposit Outflow: Bottom 44.7% in tier
- - Capital Constraint: Bottom 99.1% in tier
- - Non-Interest-Bearing Deposit Share 16.78% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$286.9M
-1.4% YoY
-3.9% QoQ
|
-$99.2M |
$386.1M
+0.5% YoY
|
$35.8B
+10.6% YoY
|
$6.2B
+9.1% YoY
|
44% |
| Total Loans ? |
$191.8M
-12.7% YoY
-3.8% QoQ
|
-$64.0M |
$255.7M
+1.1% YoY
|
$15.7B
+12.8% YoY
|
$3.2B
+10.8% YoY
|
47% |
| Total Deposits ? |
$185.9M
-4.5% YoY
-6.6% QoQ
|
-$142.0M |
$328.0M
+0.1% YoY
|
$25.9B
+8.5% YoY
|
$4.8B
+8.2% YoY
|
31% |
| Return on Assets ? |
1.86%
-1.5% YoY
-10.1% QoQ
|
+0.59% |
1.27%
+12.9% YoY
|
1.12%
+9.9% YoY
|
1.23%
+13.4% YoY
|
83% |
| Net Interest Margin ? |
5.72%
-5.0% YoY
-4.1% QoQ
|
+1.79% |
3.93%
+6.0% YoY
|
3.58%
+7.5% YoY
|
3.89%
+5.7% YoY
|
Top 2.2% in tier |
| Efficiency Ratio ? |
43.49%
+18.6% YoY
+12.6% QoQ
|
-21.80% |
65.29%
-4.5% YoY
|
72.65%
-4.0% YoY
|
66.95%
-4.1% YoY
|
Top 7.2% in tier |
| Delinquency Rate ? |
0.28%
-19.7% YoY
-3.0% QoQ
|
-0.61% |
0.89%
+18.8% YoY
|
0.65%
+14.5% YoY
|
0.95%
+18.8% YoY
|
58% |
| Loan-to-Deposit Ratio ? |
103.13%
-8.6% YoY
+3.0% QoQ
|
+26.49% |
76.64%
+0.8% YoY
|
79.14%
+0.8% YoY
|
76.70%
+0.9% YoY
|
Bottom 6.1% in tier |
| Non-Interest-Bearing Deposit Share ? |
5.24%
+20.0% YoY
+10.6% QoQ
|
-16.78% |
22.02%
-1.0% YoY
|
18.08%
-0.4% YoY
|
22.01%
-1.2% YoY
|
Bottom 3.7% in tier |
| Nonperforming Asset Ratio ? |
0.19%
-28.9% YoY
-2.9% QoQ
|
-0.45% |
0.64%
+19.7% YoY
|
0.44%
+14.5% YoY
|
0.67%
+19.3% YoY
|
61% |
| Tier 1 Capital Ratio ? |
33.77%
+3.5% YoY
+3.8% QoQ
|
+17.94% |
15.83%
+1.5% YoY
|
19.44%
+3.1% YoY
|
17.06%
+0.8% YoY
|
Top 2.7% in tier |
| Non-Interest Income / Assets ? |
0.06%
+11.9% YoY
-74.0% QoQ
|
-0.22% |
0.28%
+9.3% YoY
|
0.57%
-2.4% YoY
|
0.32%
+4.1% YoY
|
23% |
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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 (5)
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Cost Spiral
riskHistorically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Capital Constraint
riskStrong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.