First Bank of Central Ohio: how it compares with its peers
Against 64 OH banks with half to twice its assets, First Bank of Central Ohio's strongest measure in Q2 2026 is assets per employee ($7.7M vs. a $5.9M peer median). Its weakest relative measure is return on assets (-0.23% vs. 0.95%).
| Measure | First Bank of Central Ohio | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | -0.23% | 0.95% | Bottom third Ahead of 0% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.96% | 3.74% | Bottom third Ahead of 16% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 97.32% | 72.23% | Bottom third Ahead of 2% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.7M | $5.9M | Top third Ahead of 75% of peers |
| Loans to deposits Net loans and leases over total deposits. | 84.86% | 80.62% | Context |
What it means for lending operations
Its efficiency ratio of 97.32% is above the 72.23% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Greenville Federal Greenville, OH · $264M
- Hometown Bank Kent, OH · $255M
- The Wilmington Savings Bank Wilmington, OH · $267M
- The First National Bank of Dennison Dennison, OH · $267M
- The Harrison Building and Loan Association Harrison, OH · $268M
Questions about First Bank of Central Ohio
How big is First Bank of Central Ohio?
First Bank of Central Ohio, established in 2021, is headquartered in Worthington, OH. It reported $261M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is First Bank of Central Ohio's return on assets?
-0.23% annualized in Q2 2026, against a 0.95% median for 64 OH banks with half to twice its assets, ahead of 0% of them.
What is First Bank of Central Ohio's efficiency ratio?
97.32% in Q2 2026: it spent about 97 cents in noninterest expense for each dollar of revenue. The peer median is 72.23%, and lower is better.
Is First Bank of Central Ohio growing its loans?
Net loans grew 15.6% over the year to Q2 2026, while deposits grew 27.2%.
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.