TellerScore

Headquartered in Dover, Ohio, First Federal Community Bank, National Association is a national bank with $994.6M in total assets and $897.2M in deposits as of Q2 2026. It operates 8 offices. Its charter dates back to 1898.

First Federal Community Bank, National Association has a TellerScore of 75 out of 100 (strong) based on Q2 2026 data — higher than 61% of its 2,650 banks with $100 million – $1 billion. Among 157 banks headquartered in Ohio, it ranks 44th. Problem-loan coverage contributes the most (99/100, 0.6%); capital cushion contributes the least (44/100, 9.40%).

TellerScore · Q2 2026

Scorecard

Capital cushion44/100
Tier 1 leverage ratio: 9.40%
Loan quality97/100
Noncurrent loans ÷ total loans: 0.08%
Earnings94/100
Return on assets (annualized): 1.86%
Funding & liquidity58/100
Loans ÷ deposits and uninsured-deposit share: 84.0% · 31.4% uninsured
Problem-loan coverage99/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.62%

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 3 points (72 → 75), mostly because the earnings component improved by 12 points.

TellerScore
707375Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202470
Q3 202471
Q4 202470
Q1 202571
Q2 202572
Q3 202573
Q4 202572
Q1 202674
Q2 202675
Tier 1 leverage ratio
5.00%7.33%9.65%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.92%
Q3 20249.07%
Q4 20248.90%
Q1 20259.15%
Q2 20259.37%
Q3 20259.54%
Q4 20259.52%
Q1 20269.65%
Q2 20269.40%
Noncurrent loans
0.08%0.12%0.17%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.12%
Q3 20240.13%
Q4 20240.14%
Q1 20250.09%
Q2 20250.11%
Q3 20250.09%
Q4 20250.17%
Q1 20260.14%
Q2 20260.08%
Return on assets
1.44%1.65%1.86%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.46%
Q3 20241.44%
Q4 20241.47%
Q1 20251.46%
Q2 20251.55%
Q3 20251.61%
Q4 20251.66%
Q1 20261.76%
Q2 20261.86%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202675$994.6M9.40%0.08%1.86%84.0%
Q1 202674$937.6M9.65%0.14%1.76%89.3%
Q4 202572$890.2M9.52%0.17%1.66%89.9%
Q3 202573$868.3M9.54%0.09%1.61%87.6%
Q2 202572$847.2M9.37%0.11%1.55%86.4%
Q1 202571$837.4M9.15%0.09%1.46%84.8%
Q4 202470$842.7M8.90%0.14%1.47%81.1%
Q3 202471$823.3M9.07%0.13%1.44%82.5%
Q2 202470$785.9M8.92%0.12%1.46%83.9%

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).

Capital ratio9.40%
19th
Total risk-based capital13.82%
61st
Problem loans0.08%
76th
Net charge-offs-0.00%
77th
Return on assets1.86%
83rd
Net interest margin3.97%
52nd
Efficiency ratio43.4%
93rd
Loans to deposits84.0%
40th
Uninsured deposits31.4%
24th
Loan-loss reserves0.99%
25th
Texas ratio0.6%
75th

Similar-size banks in Ohio

InstitutionScoreAssetsCapitalProblem loansCompare
The Killbuck Savings Bank CompanyBank Killbuck, OH73 out of 100, Strong$953.8M9.5%0.01%vs
Mechanics BankBank Mansfield, OH61 out of 100, Moderate$896.4M8.4%0.42%vs
Unified BankBank Martins Ferry, OH62 out of 100, Moderate$871.7M9.0%1.29%vs
The Peoples Bank Co.Bank Coldwater, OH85 out of 100, Very strong$859.2M11.9%0.13%vs
The Old Fort Banking CompanyBank Old Fort, OH72 out of 100, Strong$843.9M8.9%0.20%vs
Minster BankBank Minster, OH79 out of 100, Strong$811.6M10.1%0.14%vs

Deposit insurance

Is my money safe at First Federal Community Bank, National Association?

Yes. First Federal Community Bank, National Association is an FDIC-insured institution (FDIC certificate #29787). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 31.4% of deposits ($281.5M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.40%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.82% (benchmark: 10%).

Check how much of your own balance is covered

8 locations

Branches

First Federal Community Bank, National Association lists 8 offices in 7 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
First Federal Community Bank, National Association
Former names
First Federal Savings Bank of Dover; First Federal Community Bank
Type
National bank
FDIC certificate #
29787
RSSD ID
540775
Primary regulator
OCC
Holding company
Ffd Financial Corp
Established
January 1, 1898
Headquarters
141 W Ohio Ave, Dover, OH 44622
Employees
104

Quick answers

First Federal Community Bank, National Association: common questions

Is First Federal Community Bank, National Association FDIC insured?

Yes. First Federal Community Bank, National Association is an FDIC-insured institution (FDIC certificate #29787). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First Federal Community Bank, National Association'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 Community Bank, National Association ever failed?

There is no failure record for FDIC certificate #29787 in the FDIC failed bank list.

How many branches does First Federal Community Bank, National Association have?

8 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Dover

InstitutionScoreAssetsCapitalProblem loansCompare
Brewster Federal Credit UnionCredit union Brewster, OH95 out of 100, Very strong$32.9M18.4%0.56%vs
Firstenergy Family Credit UnionCredit union Akron, OH93 out of 100, Very strong$47.2M16.5%0.53%vs
C E S Credit UnionCredit union Mount Vernon, OH91 out of 100, Very strong$244.3M13.1%0.16%vs
The Bank of Magnolia CompanyBank Magnolia, OH89 out of 100, Very strong$107.8M13.0%0.12%vs
Harvest Federal Credit UnionCredit union Heath, OH84 out of 100, Strong$43.9M12.8%0.30%vs
Dover-Phila Federal Credit UnionCredit union Dover, OH83 out of 100, Strong$812.6M13.3%0.91%vs