Advertisement
First Bank Of Central Ohio
Worthington, OH · FDIC Certificate #59249 · Chartered 04/1
Total assets
$260.92M
Total deposits
$232.43M
Total equity
$26.15M
Net loans
$197.23M
Branches (offices)
3
Net income (YTD)
-$296.00K
Rank: #2,661 of 4,213 U.S. banks by assets · #88 of 155 in Ohio. Assets changed 23.4% and deposits 27.2% over the year to June 30, 2026.
Advertisement
Key ratios
| Return on assets (YTD, annualized by FDIC) | -0.23% |
| Return on equity | -2.25% |
| Net interest margin (YTD) | 2.96% |
| Equity to assets | 10.02% |
| Tier 1 leverage ratio | 9.86% |
| Uninsured deposits (share of deposits) | 33.4% |
| Noncurrent loans (share of loans) | 1.48% |
| Net charge-offs (share of loans) | 0.63% |
| Loans to deposits | 84.9% |
| Real estate loans (share of loans) | 80.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $159.54M | 80.9% | |
| Commercial & industrial | $39.59M | 20.1% | |
| Consumer / individual | $250.00K | 0.1% | |
| Construction & development | $11.70M | 5.9% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $117.57M | $92.31M | -$1.10M | $25.06M |
| Jun 2023 | $115.61M | $88.52M | -$926.00K | $24.78M |
| Jun 2024 | $160.14M | $132.08M | $304.00K | $25.32M |
| Jun 2025 | $211.52M | $182.78M | -$396.00K | $26.26M |
| Jun 2026 | $260.92M | $232.43M | -$296.00K | $26.15M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Ohio | $232.43M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $232.43M.
Similar-sized banks
Marathon Bank ($261.06M) · Commercial State Bank, Of Wagner ($260.43M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
Advertisement