BlastPoint's Banking Scorecard
First Federal Bank of Ohio
Micro
Specialty: Mortgage
OH
FDIC cert 27643
Designations: ✓ Community bank ✓ Mutual
Galion, OH
2498
banks in Micro tier nationally
102 in OH
View Micro leaderboard (OH) →
First Federal Bank of Ohio has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 23.61% above tier
Key Concerns
Areas that may need attention
- - Return on Assets 1.03% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$278.5M
-1.9% YoY
-0.5% QoQ
|
+$61.0M |
$217.5M
+2.3% YoY
|
$33.1B
+6.9% YoY
|
$5.9B
+6.5% YoY
|
68% |
| Total Loans ? |
$120.0M
+3.1% YoY
+1.2% QoQ
|
-$19.2M |
$139.2M
+2.8% YoY
|
$14.9B
+8.3% YoY
|
$3.1B
+8.5% YoY
|
50% |
| Total Deposits ? |
$233.7M
-2.2% YoY
-0.7% QoQ
|
+$50.0M |
$183.7M
+1.8% YoY
|
$24.6B
+5.7% YoY
|
$4.7B
+6.3% YoY
|
67% |
| Return on Assets ? |
0.06%
-58.4% YoY
+277.9% QoQ
|
-1.03% |
1.08%
+14.7% YoY
|
0.85%
+32.0% YoY
|
1.12%
+15.6% YoY
|
Bottom 7% in tier |
| Net Interest Margin ? |
2.93%
+10.5% YoY
+1.7% QoQ
|
-0.92% |
3.85%
+6.6% YoY
|
3.56%
+10.4% YoY
|
3.75%
+7.1% YoY
|
Bottom 14% in tier |
| Efficiency Ratio ? |
87.09%
-4.9% YoY
-0.1% QoQ
|
+19.36% |
67.73%
-4.8% YoY
|
71.79%
-6.6% YoY
|
65.09%
-5.1% YoY
|
Bottom 11% in tier |
| Delinquency Rate ? |
1.04%
+1.7% QoQ
|
+0.40% |
0.64%
+24.4% YoY
|
0.53%
+11.7% YoY
|
0.66%
+20.3% YoY
|
28% |
| Loan-to-Deposit Ratio ? |
51.33%
+5.4% YoY
+1.9% QoQ
|
-23.19% |
74.53%
+0.5% YoY
|
81.05%
+0.1% YoY
|
78.04%
+0.7% YoY
|
Top 14% in tier |
| Non-Interest-Bearing Deposit Share ? |
19.24%
+7.0% YoY
+1.1% QoQ
|
-3.15% |
22.39%
-1.3% YoY
|
17.48%
-2.0% YoY
|
21.79%
-1.3% YoY
|
39% |
| Nonperforming Asset Ratio ? |
0.45%
+3.5% QoQ
|
0 |
0.45%
+25.1% YoY
|
0.34%
+9.4% YoY
|
0.48%
+20.8% YoY
|
40% |
| Tier 1 Capital Ratio ? |
32.47%
+1.2% YoY
+0.7% QoQ
|
+23.61% |
8.85%
-3.4% YoY
|
9.14%
+0.8% YoY
|
9.75%
-1.9% YoY
|
Top 3% in tier |
| Non-Interest Income / Assets ? |
0.51%
-11.0% YoY
+47.3% QoQ
|
-0.05% |
0.56%
+0.3% YoY
|
0.55%
+0.1% YoY
|
0.65%
+0.6% YoY
|
70% |
Signature Analysis
Strengths (1)
Tier 1 Capital Ratio
metric
Top 3%
in Micro
Why this stands out
Current:
32.47%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (1)
Return on Assets
metric
Bottom 7%
in Micro
Why this stands out
Current:
0.06%
(Tier avg: 1.08%, National avg: 1.12%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
97
97th pctile
Tier 1 Capital Ratio
Current: 32.47% · Tier avg: 8.85%
86
86th pctile
Loan-to-Deposit Ratio
Current: 51.33% · Tier avg: 74.53%
70
70th pctile
Non-Interest Income / Assets
Current: 0.51% · Tier avg: 0.56%
68
68th pctile
Total Assets
Current: $278.5M · Tier avg: $217.5M
67
67th pctile
Total Deposits
Current: $233.7M · Tier avg: $183.7M
50
50th pctile
Total Loans
Current: $120.0M · Tier avg: $139.2M
40
40th pctile
Nonperforming Asset Ratio
Current: 0.45% · Tier avg: 0.45%
39
39th pctile
Non-Interest-Bearing Deposit Share
Current: 19.24% · Tier avg: 22.39%
28
28th pctile
Delinquency Rate
Current: 1.04% · Tier avg: 0.64%
14
14th pctile
Net Interest Margin
Current: 2.93% · Tier avg: 3.85%
11
11th pctile
Efficiency Ratio
Current: 87.09% · Tier avg: 67.73%
7
7th pctile
Return on Assets
Current: 0.06% · Tier avg: 1.08%
Top Weaknesses
7
7th pctile
Return on Assets
Current: 0.06% · Tier avg: 1.08%
11
11th pctile
Efficiency Ratio
Current: 87.09% · Tier avg: 67.73%
14
14th pctile
Net Interest Margin
Current: 2.93% · Tier avg: 3.85%
28
28th pctile
Delinquency Rate
Current: 1.04% · Tier avg: 0.64%
39
39th pctile
Non-Interest-Bearing Deposit Share
Current: 19.24% · Tier avg: 22.39%
40
40th pctile
Nonperforming Asset Ratio
Current: 0.45% · Tier avg: 0.45%
50
50th pctile
Total Loans
Current: $120.0M · Tier avg: $139.2M
67
67th pctile
Total Deposits
Current: $233.7M · Tier avg: $183.7M
68
68th pctile
Total Assets
Current: $278.5M · Tier avg: $217.5M
70
70th pctile
Non-Interest Income / Assets
Current: 0.51% · Tier avg: 0.56%
86
86th pctile
Loan-to-Deposit Ratio
Current: 51.33% · Tier avg: 74.53%
97
97th pctile
Tier 1 Capital Ratio
Current: 32.47% · Tier avg: 8.85%