First Bank of Central Ohio
Worthington, OH · Cert 59249 · Peer group: banks under $1B in assets operating in a single state (n=743-746)
State charter, non-member · FDIC · 3 branches
Q2 2026
$260.9MAssets
$199.4MLoans
$232.4MDeposits
$26.2MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 43% of banks under $1B in assets operating in a single state (rank 425 of 746).
- Widest gap: efficiency ratio trails 97% of banks under $1B in assets operating in a single state (rank 721 of 746).
- Overall: at or above the peer median on 0 of 9 directional measures.
Return on Assets
-0.23%
Rank 725 of 746
Net Interest Margin
2.89%
Rank 638 of 746
Efficiency Ratio
97.32%
Rank 721 of 746
Equity / Assets
10.02%
Rank 425 of 746
Non-interest income vs. expense
Unfavorable gap of $7.0M · efficiency ratio beats 3% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -0.23% | 0.72% | 1.06% | 1.45% | Beats 3% | 725 / 746 | |
| Return on Equity | -2.26% | 6.74% | 10.51% | 13.63% | Beats 3% | 726 / 746 | |
| Net Interest Margin | 2.89% | 3.17% | 3.68% | 4.16% | Beats 14% | 638 / 746 | |
| Efficiency Ratio | 97.32% | 55.74% | 64.58% | 75.47% | Beats 3% | 721 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.48% | 0.09% | 0.42% | 1.07% | Beats 17% | 616 / 743 | |
| Net Charge-Offs / Loans | 0.31% | 0.00% | 0.01% | 0.05% | Beats 6% | 703 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 9.86% | 11.55% | 13.75% | 17.60% | Beats 6% | 703 / 746 | |
| Total Risk-Based Capital Ratio | 9.86% | 11.71% | 14.33% | 18.43% | Beats 5% | 705 / 746 | |
| Equity / Assets | 10.02% | 8.90% | 10.51% | 13.06% | Beats 43% | 425 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 85.78% | 61.31% | 78.27% | 90.78% | 66th pctl | 256 / 746 | |
| Loans / Assets | 76.41% | 53.60% | 66.97% | 76.08% | 76th pctl | 180 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |