Headquartered in Galion, Ohio, First Federal Bank of Ohio is a savings bank with $282.9M in total assets and $231.2M in deposits as of Q2 2026. It operates 9 offices. Its charter dates back to 1891.
Based on its Q2 2026 filing, First Federal Bank of Ohio scores 75/100, which we describe as strong. That is higher than 61% of 2,650 banks with $100 million – $1 billion. Among 157 banks headquartered in Ohio, it ranks 47th. Its strongest component is funding & liquidity (100/100; 52% loans-to-deposits, 7% uninsured), and its lowest is earnings (34/100; 0.35%).
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
From Q2 2025 to Q2 2026, the score rose 7 points (68 → 75), mostly because the earnings component improved by 24 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 81 |
| Q3 2024 | 80 |
| Q4 2024 | 81 |
| Q1 2025 | 52 |
| Q2 2025 | 68 |
| Q3 2025 | 71 |
| Q4 2025 | 71 |
| Q1 2026 | 74 |
| Q2 2026 | 75 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 13.92% |
| Q3 2024 | 14.02% |
| Q4 2024 | 13.56% |
| Q1 2025 | 13.31% |
| Q2 2025 | 13.20% |
| Q3 2025 | 13.58% |
| Q4 2025 | 13.59% |
| Q1 2026 | 13.66% |
| Q2 2026 | 13.68% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.04% |
| Q3 2024 | 0.17% |
| Q4 2024 | 0.00% |
| Q1 2025 | 3.05% |
| Q2 2025 | 1.02% |
| Q3 2025 | 1.02% |
| Q4 2025 | 1.03% |
| Q1 2026 | 0.93% |
| Q2 2026 | 0.93% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.12% |
| Q3 2024 | 0.12% |
| Q4 2024 | 0.13% |
| Q1 2025 | 0.02% |
| Q2 2025 | -0.26% |
| Q3 2025 | -0.03% |
| Q4 2025 | 0.06% |
| Q1 2026 | 0.30% |
| Q2 2026 | 0.35% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 75 | $282.9M | 13.68% | 0.93% | 0.35% | 52.0% |
| Q1 2026 | 74 | $283.0M | 13.66% | 0.93% | 0.30% | 51.2% |
| Q4 2025 | 71 | $278.5M | 13.59% | 1.03% | 0.06% | 51.3% |
| Q3 2025 | 71 | $279.8M | 13.58% | 1.02% | -0.03% | 50.4% |
| Q2 2025 | 68 | $282.6M | 13.20% | 1.02% | -0.26% | 49.5% |
| Q1 2025 | 52 | $286.6M | 13.31% | 3.05% | 0.02% | 48.4% |
| Q4 2024 | 81 | $283.8M | 13.56% | 0.00% | 0.13% | 48.7% |
| Q3 2024 | 80 | $271.5M | 14.02% | 0.17% | 0.12% | 49.4% |
| Q2 2024 | 81 | $272.3M | 13.92% | 0.04% | 0.12% | 50.3% |
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 |
| 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 |
| Peoples State BankBank New Lexington, OH | 61 out of 100, Moderate | $286.5M | 8.3% | 0.60% | vs |
| First Bank of OhioBank Tiffin, OH | 90 out of 100, Very strong | $278.4M | 35.5% | 0.26% | vs |
| Somerville BankBank Eaton, OH | 60 out of 100, Moderate | $290.6M | 9.5% | 1.10% | vs |
Deposit insurance
Is my money safe at First Federal Bank of Ohio?
Yes. First Federal Bank of Ohio is an FDIC-insured institution (FDIC certificate #27643). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 7.1% of deposits ($16.5M) 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 13.68%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 33.24% (benchmark: 10%).
9 locations
Branches
First Federal Bank of Ohio lists 8 offices in 6 cities. Most locations:
- Galion, OH (2)
- Mansfield, OH (2)
- Cardington, OH (1)
- Mount Gilead, OH (1)
- Sandusky, OH (1)
- Shelby, OH (1)
Identity & history
Profile
- Legal name
- First Federal Bank of Ohio
- Former names
- First Federal Savings and Loan Association of Galion
- Type
- Savings bank
- FDIC certificate #
- 27643
- RSSD ID
- 207470
- Primary regulator
- OCC
- Established
- January 1, 1891
- Headquarters
- 140 N Columbus St, Galion, OH 44833
- Employees
- 58
Quick answers
First Federal Bank of Ohio: common questions
Is First Federal Bank of Ohio FDIC insured?
Yes. First Federal Bank of Ohio is an FDIC-insured institution (FDIC certificate #27643). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is First Federal Bank of Ohio's TellerScore?
75 out of 100 (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 Federal Bank of Ohio ever failed?
There is no failure record for FDIC certificate #27643 in the FDIC failed bank list.
How many branches does First Federal Bank of Ohio have?
9 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Galion
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| 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 |
| Pillar Credit UnionCredit union Marion, OH | 76 out of 100, Strong | $134.8M | 11.6% | 0.60% | vs |
| Civista BankBank Sandusky, OH | 75 out of 100, Strong | $4.3B | 12.7% | 0.92% | vs |
| The First National Bank of SycamoreBank Sycamore, OH | 75 out of 100, Strong | $239.4M | 10.0% | 0.06% | vs |
| The Union Bank CompanyBank Columbus Grove, OH | 74 out of 100, Strong | $1.4B | 10.8% | 0.12% | vs |