BlastPoint's Banking Scorecard
First Bank of Ohio
Micro
Specialty: Consumer
OH
FDIC cert 9450
Designations: ✓ Community bank
Tiffin, OH
2498
banks in Micro tier nationally
102 in OH
View Micro leaderboard (OH) →
First Bank of Ohio has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 0.98% above tier
- + Net Interest Margin 2.11% above tier
- + Efficiency Ratio 29.11% below tier
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 25.61% above tier
- - Non-Interest-Bearing Deposit Share 17.66% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$298.7M
+2.8% YoY
+0.4% QoQ
|
+$81.2M |
$217.5M
+2.3% YoY
|
$33.1B
+6.9% YoY
|
$5.9B
+6.5% YoY
|
72% |
| Total Loans ? |
$199.4M
-13.2% YoY
-4.7% QoQ
|
+$60.2M |
$139.2M
+2.8% YoY
|
$14.9B
+8.3% YoY
|
$3.1B
+8.5% YoY
|
74% |
| Total Deposits ? |
$199.1M
+1.5% YoY
-0.1% QoQ
|
+$15.4M |
$183.7M
+1.8% YoY
|
$24.6B
+5.7% YoY
|
$4.7B
+6.3% YoY
|
59% |
| Return on Assets ? |
2.07%
+17.6% YoY
+13.8% QoQ
|
+0.98% |
1.08%
+14.7% YoY
|
0.85%
+32.0% YoY
|
1.12%
+15.6% YoY
|
Top 8% in tier |
| Net Interest Margin ? |
5.97%
+9.1% YoY
-0.1% QoQ
|
+2.11% |
3.85%
+6.6% YoY
|
3.56%
+10.4% YoY
|
3.75%
+7.1% YoY
|
Top 2% in tier |
| Efficiency Ratio ? |
38.62%
-1.8% YoY
+0.4% QoQ
|
-29.11% |
67.73%
-4.8% YoY
|
71.79%
-6.6% YoY
|
65.09%
-5.1% YoY
|
Top 2% in tier |
| Delinquency Rate ? |
0.29%
-38.7% YoY
+37.9% QoQ
|
-0.35% |
0.64%
+24.4% YoY
|
0.53%
+11.7% YoY
|
0.66%
+20.3% YoY
|
56% |
| Loan-to-Deposit Ratio ? |
100.14%
-14.5% YoY
-4.6% QoQ
|
+25.61% |
74.53%
+0.5% YoY
|
81.05%
+0.1% YoY
|
78.04%
+0.7% YoY
|
Bottom 9% in tier |
| Non-Interest-Bearing Deposit Share ? |
4.74%
-0.4% YoY
+14.1% QoQ
|
-17.66% |
22.39%
-1.3% YoY
|
17.48%
-2.0% YoY
|
21.79%
-1.3% YoY
|
Bottom 5% in tier |
| Nonperforming Asset Ratio ? |
0.19%
-48.3% YoY
+30.9% 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 ? |
0.21%
-34.3% YoY
+38.8% QoQ
|
-0.35% |
0.56%
+0.3% YoY
|
0.55%
+0.1% YoY
|
0.65%
+0.6% YoY
|
26% |
Signature Analysis
Strengths (3)
Return on Assets
metric
Top 8%
in Micro
Why this stands out
Current:
2.07%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Top 2%
in Micro
Why this stands out
Current:
5.97%
(Tier avg: 3.85%, National avg: 3.75%)
Efficiency Ratio
metric
Top 2%
in Micro
Why this stands out
Current:
38.62%
(Tier avg: 67.73%, National avg: 65.09%)
Concerns (2)
Loan-to-Deposit Ratio
metric
Bottom 9%
in Micro
Why this stands out
Current:
100.14%
(Tier avg: 74.53%, National avg: 78.04%)
Non-Interest-Bearing Deposit Share
metric
Bottom 5%
in Micro
Why this stands out
Current:
4.74%
(Tier avg: 22.39%, National avg: 21.79%)
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
98
98th pctile
Efficiency Ratio
Current: 38.62% · Tier avg: 67.73%
98
98th pctile
Net Interest Margin
Current: 5.97% · Tier avg: 3.85%
92
92th pctile
Return on Assets
Current: 2.07% · Tier avg: 1.08%
74
74th pctile
Total Loans
Current: $199.4M · Tier avg: $139.2M
72
72th pctile
Total Assets
Current: $298.7M · Tier avg: $217.5M
59
59th pctile
Total Deposits
Current: $199.1M · Tier avg: $183.7M
57
57th pctile
Nonperforming Asset Ratio
Current: 0.19% · Tier avg: 0.45%
56
56th pctile
Delinquency Rate
Current: 0.29% · Tier avg: 0.64%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
26
26th pctile
Non-Interest Income / Assets
Current: 0.21% · Tier avg: 0.56%
9
9th pctile
Loan-to-Deposit Ratio
Current: 100.14% · Tier avg: 74.53%
5
5th pctile
Non-Interest-Bearing Deposit Share
Current: 4.74% · Tier avg: 22.39%
Top Weaknesses
5
5th pctile
Non-Interest-Bearing Deposit Share
Current: 4.74% · Tier avg: 22.39%
9
9th pctile
Loan-to-Deposit Ratio
Current: 100.14% · Tier avg: 74.53%
26
26th pctile
Non-Interest Income / Assets
Current: 0.21% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
56
56th pctile
Delinquency Rate
Current: 0.29% · Tier avg: 0.64%
57
57th pctile
Nonperforming Asset Ratio
Current: 0.19% · Tier avg: 0.45%
59
59th pctile
Total Deposits
Current: $199.1M · Tier avg: $183.7M
72
72th pctile
Total Assets
Current: $298.7M · Tier avg: $217.5M
74
74th pctile
Total Loans
Current: $199.4M · Tier avg: $139.2M
92
92th pctile
Return on Assets
Current: 2.07% · Tier avg: 1.08%
98
98th pctile
Net Interest Margin
Current: 5.97% · Tier avg: 3.85%
98
98th pctile
Efficiency Ratio
Current: 38.62% · Tier avg: 67.73%