TellerScore

Headquartered in Old Fort, Ohio, The Old Fort Banking Company is a state-chartered bank with $843.9M in total assets and $781.8M in deposits as of Q2 2026. It operates 11 offices. Its charter dates back to 1916.

The Old Fort Banking Company has a TellerScore of 72 out of 100 (strong) based on Q2 2026 data — higher than 50% of its 2,650 banks with $100 million – $1 billion. Among 157 banks headquartered in Ohio, it ranks 62nd. Problem-loan coverage contributes the most (97/100, 1.5%); capital cushion contributes the least (39/100, 8.89%).

TellerScore · Q2 2026

Scorecard

Capital cushion39/100
Tier 1 leverage ratio: 8.89%
Loan quality93/100
Noncurrent loans ÷ total loans: 0.20%
Earnings78/100
Return on assets (annualized): 1.44%
Funding & liquidity78/100
Loans ÷ deposits and uninsured-deposit share: 61.3% · 33.6% uninsured
Problem-loan coverage97/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.55%

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 (69 → 72), mostly because the earnings component improved by 16 points.

TellerScore
656972Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202465
Q3 202465
Q4 202466
Q1 202569
Q2 202569
Q3 202569
Q4 202568
Q1 202671
Q2 202672
Tier 1 leverage ratio
5.00%6.95%8.89%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.01%
Q3 20247.97%
Q4 20248.21%
Q1 20258.44%
Q2 20258.44%
Q3 20258.33%
Q4 20258.32%
Q1 20268.73%
Q2 20268.89%
Noncurrent loans
0.00%0.10%0.21%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.00%
Q4 20240.00%
Q1 20250.00%
Q2 20250.00%
Q3 20250.00%
Q4 20250.14%
Q1 20260.21%
Q2 20260.20%
Return on assets
0.70%1.07%1.44%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.70%
Q3 20240.77%
Q4 20240.82%
Q1 20251.02%
Q2 20251.05%
Q3 20251.10%
Q4 20251.18%
Q1 20261.37%
Q2 20261.44%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202672$843.9M8.89%0.20%1.44%61.3%
Q1 202671$853.8M8.73%0.21%1.37%60.2%
Q4 202568$845.2M8.32%0.14%1.18%61.2%
Q3 202569$870.7M8.33%0.00%1.10%57.6%
Q2 202569$856.2M8.44%0.00%1.05%56.0%
Q1 202569$835.3M8.44%0.00%1.02%55.8%
Q4 202466$824.1M8.21%0.00%0.82%56.8%
Q3 202465$835.5M7.97%0.00%0.77%56.5%
Q2 202465$821.3M8.01%0.00%0.70%56.7%

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).

Capital ratio8.89%
11th
Total risk-based capital16.20%
74th
Problem loans0.20%
65th
Net charge-offs0.01%
50th
Return on assets1.44%
62nd
Net interest margin3.03%
11th
Efficiency ratio56.9%
67th
Loans to deposits61.3%
81st
Uninsured deposits33.6%
20th
Loan-loss reserves1.08%
36th
Texas ratio1.5%
63rd

Similar-size banks in Ohio

InstitutionScoreAssetsCapitalProblem loansCompare
The Peoples Bank Co.Bank Coldwater, OH85 out of 100, Very strong$859.2M11.9%0.13%vs
Unified BankBank Martins Ferry, OH62 out of 100, Moderate$871.7M9.0%1.29%vs
Minster BankBank Minster, OH79 out of 100, Strong$811.6M10.1%0.14%vs
Mechanics BankBank Mansfield, OH61 out of 100, Moderate$896.4M8.4%0.42%vs
The Genoa Banking CompanyBank Genoa, OH62 out of 100, Moderate$747.8M7.6%0.01%vs
The Killbuck Savings Bank CompanyBank Killbuck, OH73 out of 100, Strong$953.8M9.5%0.01%vs

Deposit insurance

Is my money safe at The Old Fort Banking Company?

Yes. The Old Fort Banking Company is an FDIC-insured institution (FDIC certificate #10255). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 33.6% of deposits ($262.7M) 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 8.89%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 16.20% (benchmark: 10%).

Check how much of your own balance is covered

11 locations

Branches

The Old Fort Banking Company lists 10 offices in 9 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, The Old Fort Banking Company reported 250 home-loan applications under HMDA (LEI 549300AWVW2ZYIVA5297): 187 originated ($51,965,000 total), 23 denied, and 15 withdrawn or closed by the applicant. Its denial rate on decided applications was 9.8%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
The Old Fort Banking Company
Type
State-chartered bank
FDIC certificate #
10255
RSSD ID
564324
Primary regulator
FDIC
Holding company
Old Ft Bk Employee Stk Ownership&401-K Plan
Established
January 16, 1916
Headquarters
8034 Main St, Old Fort, OH 44861
Employees
95

Quick answers

The Old Fort Banking Company: common questions

Is The Old Fort Banking Company FDIC insured?

Yes. The Old Fort Banking Company is an FDIC-insured institution (FDIC certificate #10255). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is The Old Fort Banking Company's TellerScore?

72 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 The Old Fort Banking Company ever failed?

There is no failure record for FDIC certificate #10255 in the FDIC failed bank list.

How many branches does The Old Fort Banking Company have?

11 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Old Fort

InstitutionScoreAssetsCapitalProblem loansCompare
First Bank of OhioBank Tiffin, OH90 out of 100, Very strong$278.4M35.5%0.26%vs
Materion Federal Credit UnionCredit union Elmore, OH87 out of 100, Very strong$38.9M14.7%0.00%vs
Carey Poverello Federal Credit UnionCredit union Carey, OH81 out of 100, Strong$32.7M12.9%0.34%vs
The First Citizens National Bank of Upper SanduskyBank Upper Sandusky, OH78 out of 100, Strong$389.9M12.6%0.01%vs
Sutton BankBank Attica, OH77 out of 100, Strong$1.7B10.0%0.02%vs
The First National Bank of SycamoreBank Sycamore, OH75 out of 100, Strong$239.4M10.0%0.06%vs