First Federal Community Bank, National Association: how it compares with its peers
Against 35 OH banks with half to twice its assets, First Federal Community Bank, National Association's strongest measure in Q2 2026 is efficiency ratio (43.43% vs. a 60.94% peer median). Its weakest relative measure is assets per employee ($9.6M vs. $7.1M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.86% | 1.16% | Top third Ahead of 91% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.97% | 3.62% | Top third Ahead of 83% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 43.43% | 60.94% | Top third Ahead of 97% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $9.6M | $7.1M | Top third Ahead of 80% of peers |
| Loans to deposits Net loans and leases over total deposits. | 84.02% | 80.84% | Context |
What it means for lending operations
Its efficiency ratio of 43.43% is better than the 60.94% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- The Killbuck Savings Bank Company Killbuck, OH · $954M
- Mechanics Bank Mansfield, OH · $896M
- The Citizens National Bank of Bluffton Bluffton, OH · $1.10B
- Liberty Savings Bank, F.S.B. Wilmington, OH · $1.11B
- Unified Bank Martins Ferry, OH · $872M
- The Peoples Bank Co. Coldwater, OH · $859M
Questions about First Federal Community Bank, National Association
How big is First Federal Community Bank, National Association?
First Federal Community Bank, National Association, established in 1898, is headquartered in Dover, OH. It reported $995M in total assets in its Q2 2026 FDIC call report and operates 8 offices.
What is First Federal Community Bank, National Association's return on assets?
1.86% annualized in Q2 2026, against a 1.16% median for 35 OH banks with half to twice its assets, ahead of 91% of them.
What is First Federal Community Bank, National Association's efficiency ratio?
43.43% in Q2 2026: it spent about 43 cents in noninterest expense for each dollar of revenue. The peer median is 60.94%, and lower is better.
Is First Federal Community Bank, National Association growing its loans?
Net loans grew 13.9% over the year to Q2 2026, while deposits grew 17.2%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are OH banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Ohio bank ranked.