First Bank of Ohio is a state-chartered bank headquartered in Tiffin, Ohio, in business for about 153 years. At the end of Q2 2026 it reported $278.4M in total assets and $176.2M in deposits, with 5 offices.
Based on its Q2 2026 filing, First Bank of Ohio scores 90/100, which we describe as very strong. That is higher than 95% of 2,650 banks with $100 million – $1 billion. Among 157 banks headquartered in Ohio, it ranks 8th. Its strongest component is capital cushion (100/100; 35.51%), and its lowest is funding & liquidity (50/100; 107% loans-to-deposits, 17% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (89 → 90).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 85 |
| Q3 2024 | 87 |
| Q4 2024 | 86 |
| Q1 2025 | 88 |
| Q2 2025 | 89 |
| Q3 2025 | 90 |
| Q4 2025 | 92 |
| Q1 2026 | 90 |
| Q2 2026 | 90 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 29.10% |
| Q3 2024 | 29.43% |
| Q4 2024 | 30.52% |
| Q1 2025 | 32.62% |
| Q2 2025 | 33.47% |
| Q3 2025 | 33.28% |
| Q4 2025 | 32.53% |
| Q1 2026 | 33.77% |
| Q2 2026 | 35.51% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.39% |
| Q3 2024 | 0.36% |
| Q4 2024 | 0.46% |
| Q1 2025 | 0.34% |
| Q2 2025 | 0.24% |
| Q3 2025 | 0.20% |
| Q4 2025 | 0.28% |
| Q1 2026 | 0.27% |
| Q2 2026 | 0.26% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.46% |
| Q3 2024 | 1.71% |
| Q4 2024 | 1.76% |
| Q1 2025 | 1.89% |
| Q2 2025 | 1.83% |
| Q3 2025 | 1.82% |
| Q4 2025 | 2.07% |
| Q1 2026 | 1.86% |
| Q2 2026 | 1.96% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 90 | $278.4M | 35.51% | 0.26% | 1.96% | 107.4% |
| Q1 2026 | 90 | $286.9M | 33.77% | 0.27% | 1.86% | 103.1% |
| Q4 2025 | 92 | $298.7M | 32.53% | 0.28% | 2.07% | 100.1% |
| Q3 2025 | 90 | $297.6M | 33.28% | 0.20% | 1.82% | 105.0% |
| Q2 2025 | 89 | $281.8M | 33.47% | 0.24% | 1.83% | 116.3% |
| Q1 2025 | 88 | $290.9M | 32.62% | 0.34% | 1.89% | 112.8% |
| Q4 2024 | 86 | $290.6M | 30.52% | 0.46% | 1.76% | 117.1% |
| Q3 2024 | 87 | $313.2M | 29.43% | 0.36% | 1.71% | 111.1% |
| Q2 2024 | 85 | $312.7M | 29.10% | 0.39% | 1.46% | 112.7% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Ohio
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Fairfield Federal Savings and Loan Association of LancasterBank Lancaster, OH | 70 out of 100, Strong | $281.5M | 11.8% | 0.18% | vs |
| First Federal Bank of OhioBank Galion, OH | 75 out of 100, Strong | $282.9M | 13.7% | 0.93% | vs |
| Community SavingsBank Caldwell, OH | 70 out of 100, Strong | $284.7M | 12.4% | 0.88% | vs |
| The Fort Jennings State BankBank Fort Jennings, OH | 75 out of 100, Strong | $285.8M | 12.7% | 1.09% | vs |
| The Apple Creek Banking CompanyBank Apple Creek, OH | 70 out of 100, Strong | $270.6M | 9.2% | 0.00% | vs |
| Peoples State BankBank New Lexington, OH | 61 out of 100, Moderate | $286.5M | 8.3% | 0.60% | vs |
Deposit insurance
Is my money safe at First Bank of Ohio?
Yes. First Bank of Ohio is an FDIC-insured institution (FDIC certificate #9450). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 17.3% of deposits ($30.4M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 35.51%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
5 locations
Branches
First Bank of Ohio lists 5 offices in 5 cities. Most locations:
- Belpre, OH (1)
- Bloomville, OH (1)
- Marietta, OH (1)
- Mount Vernon, OH (1)
- Tiffin, OH (1)
Identity & history
Profile
- Legal name
- First Bank of Ohio
- Former names
- Tiffin Savings Bank
- Type
- State-chartered bank
- FDIC certificate #
- 9450
- RSSD ID
- 586027
- Primary regulator
- FDIC
- Holding company
- Tonti Financial Corp
- Established
- March 3, 1873
- Headquarters
- 175 S Washington St, Tiffin, OH 44883
- Website
- www.firstbankofohio.com
- Employees
- 59
Quick answers
First Bank of Ohio: common questions
Is First Bank of Ohio FDIC insured?
Yes. First Bank of Ohio is an FDIC-insured institution (FDIC certificate #9450). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is First Bank of Ohio's TellerScore?
90 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has First Bank of Ohio ever failed?
There is no failure record for FDIC certificate #9450 in the FDIC failed bank list.
How many branches does First Bank of Ohio have?
5 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Tiffin
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Carey Poverello Federal Credit UnionCredit union Carey, OH | 81 out of 100, Strong | $32.7M | 12.9% | 0.34% | vs |
| The First Citizens National Bank of Upper SanduskyBank Upper Sandusky, OH | 78 out of 100, Strong | $389.9M | 12.6% | 0.01% | vs |
| Sutton BankBank Attica, OH | 77 out of 100, Strong | $1.7B | 10.0% | 0.02% | vs |
| The First National Bank of SycamoreBank Sycamore, OH | 75 out of 100, Strong | $239.4M | 10.0% | 0.06% | vs |
| The Farmers State BankBank New Madison, OH | 75 out of 100, Strong | $329.6M | 10.9% | 0.28% | vs |
| Civista BankBank Sandusky, OH | 75 out of 100, Strong | $4.3B | 12.7% | 0.92% | vs |