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First Bank of Ohio

Tiffin, OH · Cert 9450 · Tonti Financial Corp.

State charter, non-member · FDIC · 5 branches

Q2 2026

$278.4MAssets
$195.1MLoans
$176.2MDeposits
$100.3MEquity
Loan mix
0%RE $0.0M0%C&I $0.0M100%Consumer $197.8MQ2 2025Q2 2026
Deposit mix
95%Interest-bearing $166.8M5%Noninterest $9.4MQ2 2025Q2 2026

NIM

7.79%Q2 ’248.12%Q2 ’257.55%Q2 ’26+15%-4%

Non-interest income vs. expense

2.03%Q2 ’242.18%Q2 ’252.40%Q2 ’26+4%+10%

Executive Summary

  • Earnings: ROA of 1.96%, up 12 bps year over year; NIM at 5.35%.
  • Asset quality: problem loans at 0.26% of loans (+2 bps YoY), with net charge-offs at 1.47%.
  • Capital: tier 1 leverage ratio of 35.51%, up 205 bps from a year ago.
  • Funding: loans stand at 110.71% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.96%+12 bps YoY

Net Interest Margin (YTD, annualized)

5.35%-23 bps YoY

Efficiency Ratio (YTD, annualized)

43.07%+545 bps YoY

Tier 1 Leverage Ratio

35.51%+205 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.83%1.82%2.07%1.86%1.96%+12 bps
Return on Equity5.63%5.59%6.36%5.54%5.70%+6 bps
Net Interest Margin5.58%5.48%5.33%5.26%5.35%-23 bps
Efficiency Ratio37.62%38.48%38.62%43.49%43.07%+545 bps
Non-Interest Burden1.97%1.98%1.93%2.16%2.18%+21 bps
Growth
Asset Growth (YoY)-9.89%-4.99%2.77%-1.35%-1.18%+871 bps
Loan Growth (YoY)-12.96%-13.32%-12.88%-12.50%-12.03%+93 bps
Deposit Growth (YoY)-16.16%-8.92%1.49%-4.49%-4.69%+1,146 bps
Asset Quality
Nonperforming Loans / Loans0.24%0.20%0.28%0.27%0.26%+2 bps
Net Charge-Offs / Loans1.37%1.40%1.39%1.64%1.47%+10 bps
Allowance / Loans3.00%3.15%3.04%3.06%3.03%+3 bps
Allowance Coverage of NPLs12.3x15.5x10.8x11.2x11.7x-0.6x
Capital
Tier 1 Leverage Ratio33.47%33.28%32.53%33.77%35.51%+205 bps
Total Risk-Based Capital33.47%33.28%32.53%33.77%35.51%+205 bps
Equity / Assets33.69%32.44%32.69%34.42%36.03%+234 bps
Liquidity & Funding
Loans / Deposits119.95%108.42%103.27%106.38%110.71%-924 bps
Liquid Assets / Assets4.53%3.93%3.25%3.15%3.02%-151 bps
CRE / Total Capitaln/a0.00%0.00%0.00%n/an/a