Side-by-side · Q2 2026 data
Civista Bank vs First Federal Bank of Ohio
Metric by metric
| Measure | Civista Bank | First Federal Bank of Ohio |
|---|---|---|
| TellerScore | 75 | 75 |
| Capital cushion | 77 | 87 (stronger) |
| Loan quality | 69 | 69 |
| Earnings | 78 (stronger) | 34 |
| Funding & liquidity | 64 | 100 (stronger) |
| Problem-loan coverage | 91 | 95 (stronger) |
| Peer percentile | 77th | 61st |
| Total assets | $4.3B | $282.9M |
| Deposits / shares | $3.5B | $231.2M |
| Capital ratio | 12.71% | 13.68% (stronger) |
| Problem loans | 0.92% (stronger) | 0.93% |
| Net charge-offs | 0.05% | 0.00% (stronger) |
| Return on assets | 1.45% (stronger) | 0.35% |
| Loans ÷ deposits | 92.4% | 52.0% (stronger) |
| Uninsured deposits | 18.3% | 7.1% (stronger) |
| Offices | 42 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.5% | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Civista Bank leads on 2 and First Federal Bank of Ohio on 4. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Sandusky, OH
- Shelby, OH