BlastPoint's Banking Scorecard
First Bank of Central Ohio
Micro
Specialty: Commercial
OH
FDIC cert 59249
Designations: ✓ Community bank
Worthington, OH
2498
banks in Micro tier nationally
102 in OH
View Micro leaderboard (OH) →
First Bank of Central Ohio has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest Income / Assets 0.64% above tier
Key Concerns
Areas that may need attention
- - Return on Assets 1.43% below tier
- - Efficiency Ratio 23.73% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$253.3M
+29.4% YoY
+10.2% QoQ
|
+$35.8M |
$217.5M
+2.3% YoY
|
$33.1B
+6.9% YoY
|
$5.9B
+6.5% YoY
|
63% |
| Total Loans ? |
$192.5M
+24.6% YoY
+3.0% QoQ
|
+$53.3M |
$139.2M
+2.8% YoY
|
$14.9B
+8.3% YoY
|
$3.1B
+8.5% YoY
|
72% |
| Total Deposits ? |
$224.3M
+34.5% YoY
+11.8% QoQ
|
+$40.6M |
$183.7M
+1.8% YoY
|
$24.6B
+5.7% YoY
|
$4.7B
+6.3% YoY
|
66% |
| Return on Assets ? |
-0.35%
-199.1% YoY
-48.9% QoQ
|
-1.43% |
1.08%
+14.7% YoY
|
0.85%
+32.0% YoY
|
1.12%
+15.6% YoY
|
Bottom 4% in tier |
| Net Interest Margin ? |
3.33%
+0.5% YoY
-0.5% QoQ
|
-0.52% |
3.85%
+6.6% YoY
|
3.56%
+10.4% YoY
|
3.75%
+7.1% YoY
|
27% |
| Efficiency Ratio ? |
91.46%
+13.2% YoY
-6.0% QoQ
|
+23.73% |
67.73%
-4.8% YoY
|
71.79%
-6.6% YoY
|
65.09%
-5.1% YoY
|
Bottom 8% in tier |
| Delinquency Rate ? |
0.25%
+54.4% QoQ
|
-0.39% |
0.64%
+24.4% YoY
|
0.53%
+11.7% YoY
|
0.66%
+20.3% YoY
|
58% |
| Loan-to-Deposit Ratio ? |
85.85%
-7.3% YoY
-7.9% QoQ
|
+11.32% |
74.53%
+0.5% YoY
|
81.05%
+0.1% YoY
|
78.04%
+0.7% YoY
|
69% |
| Non-Interest-Bearing Deposit Share ? |
11.00%
-13.4% YoY
-2.9% QoQ
|
-11.39% |
22.39%
-1.3% YoY
|
17.48%
-2.0% YoY
|
21.79%
-1.3% YoY
|
Bottom 13% in tier |
| Nonperforming Asset Ratio ? |
0.19%
+44.2% QoQ
|
-0.26% |
0.45%
+25.1% YoY
|
0.34%
+9.4% YoY
|
0.48%
+20.8% YoY
|
57% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
9.14%
+0.8% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
1.20%
-50.4% YoY
+39.3% QoQ
|
+0.64% |
0.56%
+0.3% YoY
|
0.55%
+0.1% YoY
|
0.65%
+0.6% YoY
|
Top 6% in tier |
Signature Analysis
Strengths (1)
Non-Interest Income / Assets
metric
Top 6%
in Micro
Why this stands out
Current:
1.20%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (2)
Return on Assets
metric
Bottom 4%
in Micro
Why this stands out
Current:
-0.35%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Bottom 8%
in Micro
Why this stands out
Current:
91.46%
(Tier avg: 67.73%, National avg: 65.09%)
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
94
94th pctile
Non-Interest Income / Assets
Current: 1.20% · Tier avg: 0.56%
72
72th pctile
Total Loans
Current: $192.5M · Tier avg: $139.2M
69
69th pctile
Loan-to-Deposit Ratio
Current: 85.85% · Tier avg: 74.53%
66
66th pctile
Total Deposits
Current: $224.3M · Tier avg: $183.7M
63
63th pctile
Total Assets
Current: $253.3M · Tier avg: $217.5M
58
58th pctile
Delinquency Rate
Current: 0.25% · Tier avg: 0.64%
57
57th pctile
Nonperforming Asset Ratio
Current: 0.19% · Tier avg: 0.45%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
27
27th pctile
Net Interest Margin
Current: 3.33% · Tier avg: 3.85%
13
13th pctile
Non-Interest-Bearing Deposit Share
Current: 11.00% · Tier avg: 22.39%
8
8th pctile
Efficiency Ratio
Current: 91.46% · Tier avg: 67.73%
4
4th pctile
Return on Assets
Current: -0.35% · Tier avg: 1.08%
Top Weaknesses
4
4th pctile
Return on Assets
Current: -0.35% · Tier avg: 1.08%
8
8th pctile
Efficiency Ratio
Current: 91.46% · Tier avg: 67.73%
13
13th pctile
Non-Interest-Bearing Deposit Share
Current: 11.00% · Tier avg: 22.39%
27
27th pctile
Net Interest Margin
Current: 3.33% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
57
57th pctile
Nonperforming Asset Ratio
Current: 0.19% · Tier avg: 0.45%
58
58th pctile
Delinquency Rate
Current: 0.25% · Tier avg: 0.64%
63
63th pctile
Total Assets
Current: $253.3M · Tier avg: $217.5M
66
66th pctile
Total Deposits
Current: $224.3M · Tier avg: $183.7M
69
69th pctile
Loan-to-Deposit Ratio
Current: 85.85% · Tier avg: 74.53%
72
72th pctile
Total Loans
Current: $192.5M · Tier avg: $139.2M
94
94th pctile
Non-Interest Income / Assets
Current: 1.20% · Tier avg: 0.56%