First Bank of Ohio
Tiffin, OH · Cert 9450 · Peer group: banks under $1B in assets in OH (n=68-71) · Tonti Financial Corp.
State charter, non-member · FDIC · 5 branches
Q2 2026
$278.4MAssets
$195.1MLoans
$176.2MDeposits
$100.3MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 99% of banks under $1B in assets in OH (rank 1 of 71).
- Widest gap: net charge-offs / loans trails 99% of banks under $1B in assets in OH (rank 68 of 68).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
2.02%
Rank 6 of 71
Net Interest Margin
5.35%
Rank 1 of 71
Efficiency Ratio
43.07%
Rank 4 of 71
Equity / Assets
36.03%
Rank 4 of 71
Non-interest income vs. expense
Unfavorable gap of $6.2M · efficiency ratio beats 96% 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 | 2.02% | 0.62% | 1.02% | 1.39% | Beats 92% | 6 / 71 | |
| Return on Equity | 5.62% | 5.62% | 10.07% | 13.60% | Beats 24% | 54 / 71 | |
| Net Interest Margin | 5.35% | 2.93% | 3.56% | 4.07% | Beats 99% | 1 / 71 | |
| Efficiency Ratio | 43.07% | 55.94% | 70.77% | 78.80% | Beats 96% | 4 / 71 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.26% | 0.08% | 0.27% | 0.97% | Beats 51% | 34 / 68 | |
| Net Charge-Offs / Loans | 1.63% | n/a | 0.00% | 0.05% | Beats 1% | 68 / 68 | |
| Capital |
| Tier 1 Capital Ratio | 35.51% | 11.18% | 13.77% | 20.34% | Beats 94% | 4 / 71 | |
| Total Risk-Based Capital Ratio | 35.51% | 12.08% | 14.34% | 21.24% | Beats 94% | 4 / 71 | |
| Equity / Assets | 36.03% | 8.41% | 10.74% | 13.32% | Beats 94% | 4 / 71 | |
| Liquidity & Funding |
| Loans / Deposits | 110.71% | 64.48% | 76.81% | 87.49% | 96th pctl | 3 / 68 | |
| Loans / Assets | 70.06% | 55.33% | 65.58% | 72.51% | 62nd pctl | 27 / 71 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |