| Metric | First Bank of Ohio | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.2% | +4.4% | -5.5 pts |
| Deposit growth (YoY) | -4.7% | +4.0% | -8.6 pts |
| Loan growth (YoY) | -12.1% | +5.6% | -17.6 pts |
| ROA | 1.96% | 1.24% | +0.7 pts |
| ROE | 5.7% | 11.9% | -6.2 pts |
ROA ranks in the 86th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $278.4M | $176.2M | $189.2M | $100.3M | $2.8M | 1.96% | 5.72% | 0.18% |
| Q1 2026 | $286.9M | $185.9M | $191.8M | $98.8M | $1.4M | 1.86% | 5.72% | 0.19% |
| Q4 2025 | $298.7M | $199.1M | $199.4M | $97.6M | $6.0M | 2.07% | 5.97% | 0.19% |
| Q3 2025 | $297.6M | $199.3M | $209.3M | $96.5M | $4.0M | 1.82% | 5.97% | 0.15% |
| Q2 2025 | $281.8M | $184.9M | $215.1M | $94.9M | $2.6M | 1.83% | 6.01% | 0.19% |
| Q1 2025 | $290.9M | $194.7M | $219.7M | $93.6M | $1.4M | 1.89% | 6.02% | 0.26% |
| Q4 2024 | $290.6M | $196.2M | $229.8M | $92.1M | $5.4M | 1.76% | 5.47% | 0.37% |
| Q3 2024 | $313.2M | $218.8M | $243.1M | $91.9M | $4.0M | 1.71% | 5.26% | 0.29% |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $195.1M · securities $55.0M
| Ratio | First Bank of Ohio | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.96% | 1.24% | 86th | |
Return on equity Annualized net income ÷ equity or net worth | 5.7% | 11.9% | 16th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.72% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 43.1% | 62.9% | 6th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | First Bank of Ohio | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | First Bank of Ohio | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | First Bank of Ohio | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | First Bank of Ohio | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | First Bank of Ohio | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
5 branches in 3 counties across 1 state (+0 vs 2025) · $176.2M branch deposits. Biggest market: Seneca, OH, ranked 4th with 5.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Seneca, OH | 2 | $136.1M | 5.13% | 4th |
| Washington, OH | 2 | $38.0M | 1.37% | 10th |
| Knox, OH | 1 | $2.1M | 0.17% | 12th |
Ohio: 164th with 0.03% ·
Branch count: 2022 5 · 2023 5 · 2024 5 · 2025 5 · 2026 5
Technology spend in line with peers (11 bps of assets, 2025). Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).