First Federal Bank of Ohio
Galion, OH · Cert 27643 · Peer group: banks under $1B in assets in OH (n=68-71)
State savings bank · OCC · 8 branches
Q2 2026
$282.9MAssets
$120.9MLoans
$231.2MDeposits
$40.8MEquity
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 90% of banks under $1B in assets in OH (rank 7 of 71).
- Widest gap: efficiency ratio trails 92% of banks under $1B in assets in OH (rank 66 of 71).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.35%
Rank 64 of 71
Net Interest Margin
2.80%
Rank 59 of 71
Efficiency Ratio
89.15%
Rank 66 of 71
Equity / Assets
14.42%
Rank 15 of 71
Non-interest income vs. expense
Unfavorable gap of $7.2M · efficiency ratio beats 8% of banks under $1B in assets in OH | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.35% | 0.62% | 1.02% | 1.39% | Beats 10% | 64 / 71 | |
| Return on Equity | 2.44% | 5.62% | 10.07% | 13.60% | Beats 8% | 65 / 71 | |
| Net Interest Margin | 2.80% | 2.93% | 3.56% | 4.07% | Beats 17% | 59 / 71 | |
| Efficiency Ratio | 89.15% | 55.94% | 70.77% | 78.80% | Beats 8% | 66 / 71 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.93% | 0.08% | 0.27% | 0.97% | Beats 26% | 51 / 68 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.05% | Beats 59% | 30 / 68 | |
| Capital |
| Tier 1 Capital Ratio | 32.76% | 11.18% | 13.77% | 20.34% | Beats 90% | 7 / 71 | |
| Total Risk-Based Capital Ratio | 33.24% | 12.08% | 14.34% | 21.24% | Beats 89% | 8 / 71 | |
| Equity / Assets | 14.42% | 8.41% | 10.74% | 13.32% | Beats 79% | 15 / 71 | |
| Liquidity & Funding |
| Loans / Deposits | 52.29% | 64.48% | 76.81% | 87.49% | 4th pctl | 65 / 68 | |
| Loans / Assets | 42.74% | 55.33% | 65.58% | 72.51% | 10th pctl | 64 / 71 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |