BlastPoint's Banking Scorecard
First Federal Community Bank, National Association
Community
Specialty: Commercial
OH
FDIC cert 29787
Dover, OH
1484
banks in Community tier nationally
45 in OH
View Community leaderboard (OH) →
First Federal Community Bank, National Association faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 12% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$890.2M
+5.6% YoY
+2.5% QoQ
|
-$501.2M |
$1.4B
+2.0% YoY
|
$33.1B
+6.9% YoY
|
$5.9B
+6.5% YoY
|
42% |
| Total Loans ? |
$706.1M
+13.8% YoY
+2.9% QoQ
|
-$269.3M |
$975.5M
+2.4% YoY
|
$14.9B
+8.3% YoY
|
$3.1B
+8.5% YoY
|
50% |
| Total Deposits ? |
$785.4M
+2.7% YoY
+0.3% QoQ
|
-$379.2M |
$1.2B
+1.7% YoY
|
$24.6B
+5.7% YoY
|
$4.7B
+6.3% YoY
|
46% |
| Return on Assets ? |
1.66%
+13.0% YoY
+3.1% QoQ
|
+0.50% |
1.16%
+17.2% YoY
|
0.85%
+32.0% YoY
|
1.12%
+15.6% YoY
|
82% |
| Net Interest Margin ? |
3.87%
+10.7% YoY
+2.0% QoQ
|
+0.21% |
3.66%
+9.1% YoY
|
3.56%
+10.4% YoY
|
3.75%
+7.1% YoY
|
64% |
| Efficiency Ratio ? |
47.09%
-5.0% YoY
-1.6% QoQ
|
-15.55% |
62.63%
-5.3% YoY
|
71.79%
-6.6% YoY
|
65.09%
-5.1% YoY
|
Top 11% in tier |
| Delinquency Rate ? |
0.17%
+20.4% YoY
+80.1% QoQ
|
-0.46% |
0.63%
+18.3% YoY
|
0.53%
+11.7% YoY
|
0.66%
+20.3% YoY
|
73% |
| Loan-to-Deposit Ratio ? |
89.90%
+10.8% YoY
+2.6% QoQ
|
+6.84% |
83.06%
+0.3% YoY
|
81.05%
+0.1% YoY
|
78.04%
+0.7% YoY
|
65% |
| Non-Interest-Bearing Deposit Share ? |
21.31%
+6.2% YoY
+1.8% QoQ
|
+0.27% |
21.05%
-0.9% YoY
|
17.48%
-2.0% YoY
|
21.79%
-1.3% YoY
|
56% |
| Nonperforming Asset Ratio ? |
0.14%
+29.7% YoY
+80.8% QoQ
|
-0.36% |
0.50%
+20.3% YoY
|
0.34%
+9.4% YoY
|
0.48%
+20.8% YoY
|
73% |
| Tier 1 Capital Ratio ? |
12.43%
-2.0% YoY
+0.7% QoQ
|
+2.19% |
10.24%
-0.6% YoY
|
9.14%
+0.8% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.43%
+6.1% YoY
+33.8% QoQ
|
-0.31% |
0.74%
-1.3% YoY
|
0.55%
+0.1% YoY
|
0.65%
+0.6% YoY
|
39% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Credit Quality Pressure
risk
#96 of 808 · Bottom 12% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.17%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
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
89
89th pctile
Efficiency Ratio
Current: 47.09% · Tier avg: 62.63%
82
82th pctile
Return on Assets
Current: 1.66% · Tier avg: 1.16%
73
73th pctile
Delinquency Rate
Current: 0.17% · Tier avg: 0.63%
73
73th pctile
Nonperforming Asset Ratio
Current: 0.14% · Tier avg: 0.50%
65
65th pctile
Loan-to-Deposit Ratio
Current: 89.90% · Tier avg: 83.06%
64
64th pctile
Net Interest Margin
Current: 3.87% · Tier avg: 3.66%
56
56th pctile
Non-Interest-Bearing Deposit Share
Current: 21.31% · Tier avg: 21.05%
51
51th pctile
Tier 1 Capital Ratio
Current: 12.43% · Tier avg: 10.24%
50
50th pctile
Total Loans
Current: $706.1M · Tier avg: $975.5M
46
46th pctile
Total Deposits
Current: $785.4M · Tier avg: $1.2B
42
42th pctile
Total Assets
Current: $890.2M · Tier avg: $1.4B
39
39th pctile
Non-Interest Income / Assets
Current: 0.43% · Tier avg: 0.74%
Top Weaknesses
39
39th pctile
Non-Interest Income / Assets
Current: 0.43% · Tier avg: 0.74%
42
42th pctile
Total Assets
Current: $890.2M · Tier avg: $1.4B
46
46th pctile
Total Deposits
Current: $785.4M · Tier avg: $1.2B
50
50th pctile
Total Loans
Current: $706.1M · Tier avg: $975.5M
51
51th pctile
Tier 1 Capital Ratio
Current: 12.43% · Tier avg: 10.24%
56
56th pctile
Non-Interest-Bearing Deposit Share
Current: 21.31% · Tier avg: 21.05%
64
64th pctile
Net Interest Margin
Current: 3.87% · Tier avg: 3.66%
65
65th pctile
Loan-to-Deposit Ratio
Current: 89.90% · Tier avg: 83.06%
73
73th pctile
Nonperforming Asset Ratio
Current: 0.14% · Tier avg: 0.50%
73
73th pctile
Delinquency Rate
Current: 0.17% · Tier avg: 0.63%
82
82th pctile
Return on Assets
Current: 1.66% · Tier avg: 1.16%
89
89th pctile
Efficiency Ratio
Current: 47.09% · Tier avg: 62.63%