First Federal Community Bank, National Association
Dover, OH · Cert 29787 · Peer group: banks under $1B in assets in OH (n=68-71) · FFD Financial Corp.
National charter · OCC · 8 branches
Q2 2026
$994.6MAssets
$761.4MLoans
$897.2MDeposits
$87.1MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 94% of banks under $1B in assets in OH (rank 5 of 71).
- Widest gap: equity / assets trails 75% of banks under $1B in assets in OH (rank 53 of 71).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.76%
Rank 9 of 71
Net Interest Margin
3.60%
Rank 31 of 71
Efficiency Ratio
43.43%
Rank 5 of 71
Equity / Assets
8.75%
Rank 53 of 71
Non-interest income vs. expense
Unfavorable gap of $12.5M · efficiency ratio beats 94% of banks under $1B in assets in OH | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.76% | 0.62% | 1.02% | 1.39% | Beats 87% | 9 / 71 | | |
| Return on Equity | 20.09% | 5.62% | 10.07% | 13.60% | Beats 92% | 6 / 71 | | |
| Net Interest Margin | 3.60% | 2.93% | 3.56% | 4.07% | Beats 56% | 31 / 71 | | |
| Efficiency Ratio | 43.43% | 55.94% | 70.77% | 78.80% | Beats 94% | 5 / 71 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.08% | 0.08% | 0.27% | 0.97% | Beats 76% | 17 / 68 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.05% | Beats 53% | 33 / 68 | | |
| Capital |
| Tier 1 Capital Ratio | 12.74% | 11.18% | 13.77% | 20.34% | Beats 35% | 46 / 71 | | |
| Total Risk-Based Capital Ratio | 13.82% | 12.08% | 14.34% | 21.24% | Beats 45% | 39 / 71 | | |
| Equity / Assets | 8.75% | 8.41% | 10.74% | 13.32% | Beats 25% | 53 / 71 | | |
| Liquidity & Funding |
| Loans / Deposits | 84.86% | 64.48% | 76.81% | 87.49% | 69th pctl | 21 / 68 | | |
| Loans / Assets | 76.55% | 55.33% | 65.58% | 72.51% | 80th pctl | 14 / 71 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |