The Old Fort Banking Company
Total assets
$843.9M
▼ -1.4% YoY
Deposits
$781.8M
▼ -2.6% YoY
Loans
$479.6M
▲ +6.8% YoY
Offices
11
OLD FT BK EMPLOYEE STK OWNERSHIP&401-K PLAN
ROA (annualized)
1.44%
peers 1.28%
ROE (annualized)
21.26%
peers 12.44%
Peer comparison 748 banks with 500M-1B in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.4% | +4.9% | -6.3 pts |
| Deposit growth (YoY) | -2.6% | +4.3% | -6.9 pts |
| Loan growth (YoY) | +6.8% | +5.3% | +1.5 pts |
| ROA | 1.44% | 1.28% | +0.2 pts |
| ROE | 21.3% | 12.4% | +8.8 pts |
ROA ranks in the 60th percentile of its peer group · Q2 2026
Profile
- Established
- 1916
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- OLD FT BK EMPLOYEE STK OWNERSHIP&401-K PLAN
- Specialization
- Commercial Lending Specialization
- Address
- 8034 Main St, Old Fort, OH, 44861
- County
- Seneca
- Metro area
- Tiffin, OH
- Offices
- 11
- FDIC cert #
- 10255
- RSSD ID
- 564324
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $843.9M | $781.8M | $479.6M | $57.3M | $6.1M | 1.44% | 3.03% | 0.11% |
| Q1 2026 | $853.8M | $792.5M | $476.9M | $56.9M | $2.9M | 1.37% | 2.96% | 0.12% |
| Q4 2025 | $845.2M | $781.6M | $478.1M | $58.5M | $10.0M | 1.18% | 2.70% | 0.08% |
| Q3 2025 | $870.7M | $808.8M | $465.9M | $57.0M | $7.0M | 1.10% | 2.56% | 0.00% |
| Q2 2025 | $856.2M | $802.3M | $448.9M | $49.5M | $4.4M | 1.05% | 2.50% | 0.00% |
| Q1 2025 | $835.3M | $781.8M | $436.1M | $49.5M | $2.1M | 1.02% | 2.49% | 0.00% |
| Q4 2024 | $824.1M | $778.6M | $442.0M | $41.1M | $6.7M | 0.82% | 2.21% | 0.00% |
| Q3 2024 | $835.5M | $781.5M | $441.5M | $49.7M | $4.7M | 0.77% | 2.17% | 0.00% |
Loan mix (Q2 2026): real estate $389.5M · commercial $93.1M · consumer $1.3M · securities $313.9M
Ratio pack Q2 2026 · peer medians from 748 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.44% | 1.28% | 60th | |
Return on equity Annualized net income ÷ equity or net worth | 21.3% | 12.4% | 91th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.03% | 3.89% | 11th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.9% | 61.2% | 37th | |
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% |
Balance sheet
| Ratio | Value | 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% |
Capital
| Ratio | Value | 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% |
Credit quality
| Ratio | Value | 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% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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