# FIRST BANK OF CENTRAL OHIO
WORTHINGTON, OH · FDIC certificate 59249 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 5 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $260.9M | |
| Deposits | $232.4M | |
| Loans and leases | $199.4M | |
| Total equity | $26.2M | |
| Loans / deposits | 84.86% (p70 of band) | 73.59% |
| Liquid assets / assets | 21.28% (p25 of band) | |
| Uninsured deposits / deposits | 33.43% (p87 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.86% (p22 of band) | 11.76% |
| Unrealized securities loss / equity | -0.59% (p82 of band) | -6.57% |
| AOCI / equity | -0.44% (p47 of band) | |
| ROA (annualized) | -0.23% (p5 of band) | 1.17% |
| Net interest margin | 2.96% (p11 of band) | 3.93% |
| Efficiency ratio | 97.32% (p93 of band) | |
| Noncurrent loans | 1.48% (p79 of band) | 0.36% |
| Net charge-offs (annualized) | 0.49% (p97 of band) | |
| Reserve coverage of noncurrent | 72.70% | |
| Real estate % of loans | 80% | |
| Construction % of loans | 44.73% (p76 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 27.2% | |
| Employees | 34 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2021-06 | 4 | loans exceed deposits, losing money, expense ratio p90, NIM <2.5% |  |
| 2021-09 | 4 | uninsured deposits >50% | loans exceed deposits |
| 2021-12 | 4 | capital falling | uninsured deposits >50% |
| 2022-03 | 4 |  |  |
| 2022-06 | 5 | uninsured deposits >50% |  |
| 2022-09 | 5 |  |  |
| 2022-12 | 4 |  | capital falling |
| 2023-03 | 3 |  | NIM <2.5% |
| 2023-06 | 4 | capital falling, uninsured deposits leaving | uninsured deposits >50% |
| 2023-09 | 4 |  |  |
| 2023-12 | 3 |  | uninsured deposits leaving |
| 2024-03 | 3 | loans exceed deposits, uninsured deposits leaving | losing money, expense ratio p90 |
| 2024-06 | 1 |  | loans exceed deposits, uninsured deposits leaving |
| 2024-09 | 1 |  |  |
| 2024-12 | 2 | charge-offs p90 |  |
| 2025-03 | 3 | losing money, expense ratio p90 | charge-offs p90 |
| 2025-06 | 4 | charge-offs p90 |  |
| 2025-09 | 4 |  |  |
| 2025-12 | 3 |  | expense ratio p90 |
| 2026-03 | 3 | expense ratio p90 | charge-offs p90 |
| 2026-06 | 5 | charge-offs p90, reserve under noncurrent |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2024-04-15 [Martin Brady Hired as President of First Bank of Central Ohio - PR Newswire](https://news.google.com/rss/articles/CBMiuAFBVV95cUxOQmtwczh5Yk1ISTdaSXhoQzU0a3VybUdYYmNfNW1tYllKd2RXS1k5bnZ3b1YtVTcwSXA4Mms1eDhBLTNuVmp2MnA3WmtrbU1ybHhXUmc0WTZSV2RKNkJjY1ZyX1llZmVmX2VUQVhmWW93VFNZS2xoNzlVV3p1dGluNnRsVFB5UUdwa053dktpUk1qRnpTZGw5X0Y2bmx5d2Y4RXBXS3lDdDgxTnJEX0RZWE0yaXJnV0do?oc=5) · PR Newswire
- 2025-11-28 [Ohio State vs. Michigan Preview: Buckeyes Seek Retribution for Four-Game Rivalry Losing Streak - Eleven Warriors](https://news.google.com/rss/articles/CBMijAJBVV95cUxQT3RKTFliRmw5bGFvVVBQSnBmMjFOTEtiMjJvNHlPX2xQQy1mTW1wdGQzLVo1NEs0S3BKcFozckpDZjhmYkIwUW5iNXZwMlY4dmhrZl9OZXd3dnhvLTd5dUFmQmszM01GTmtkaHVqOHFISjYxTmdCc0pvUm50RnU1UDlhYkpEemFGVHZtcTRmR0V2Rm8tX3ZYQXNfcWc3YTNwLVFraHZsdFZUNXB1dnI3QTJOWkxZNTI1RUZRR09mbXdBQlFHbDV4ZEhxUzdIS0xJQVFhcDBsRlI3WFNraTRYT2VGNE4xVWhJLTlBSHhtOGMyWGhpQTYtSlkwWmFuS25DR3dYX3R6YTlUWnVi?oc=5) · Eleven Warriors
- 2021-05-27 [Central Ohio's third startup bank in 2 years opens in Worthington led by industry veterans - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxNNjlvT1NpNDRvd1k4d2ZvTUhNREppcTZydnJ0S0xPVUZsVjdpTk5peFhRVUhrbmpod0hkcHRoNjVOZGdpU0ktT1N3TXZ3RnpZdjR2UWx1REduX0xaanVzcjl6MDA2SURkbW40T1EtWjZnYV9mNnpVdG9iMkprVEJoT1Bncm5JOWhRTUpCc2VLWkhId3FVV1hublpBQ3FUSEh4OHdiSm1Xb3A?oc=5) · The Business Journals
- 2025-10-31 [Ohio State vs. Penn State Preview: Run Game on Both Sides of the Football Key to Buckeyes' Success Against Nittany Lions - Eleven Warriors](https://news.google.com/rss/articles/CBMiiAJBVV95cUxQcC04SXcyV0hNaTVQNGFlYk1VeU5iY2JFVmJLYVNaNFhJNHUyTFhfVFJJd3NzM3hrbWRmZzhVa3B2N0VjOWFZRkQ0R3JwazA1UWcyUTdKR3pHaG5WUjloRTFJWGlTU042dXI1b2RFOVEwVHZISU9URmNNenBPMWhpNTQzMVM1TVE5YWFyUkhWZV9ySlVnajlSYWZFTlRXM1A2eWRlTmpSR25TazVxU3ZiVUEwQWk0dE1JYTlBR203VG1udFowaUt2SVBIU1pKTGFKZFJ5WkRpQzVBQ0dybUFoT2YwUzJ2YmR3T2w0TWZnTHUxTlRSVlk2bnNCQ21yX3h2Y1U0REVmTWM?oc=5) · Eleven Warriors
- 2025-10-10 [Ohio State vs. Illinois Preview: Blowout Could Ensue for Buckeyes if the Illinois Passing Attack is Smothered - Eleven Warriors](https://news.google.com/rss/articles/CBMigwJBVV95cUxPcHFYUTNPTEp3ZV9PR3RmSWRMY0g3VExYb0lDWFRBclU5ZVFWc0tPV2JOOUpaaExPMDRoTUNuVnpJOVJIRGNmc044S0h4dWQ5RExMOFNqZVNRSVhKZ005ZVVhR1FnUzE5UWd1SHpiRFhvbEhWVW93SGhmNUNIZ2c2ZTBEWlNURkdjTUhNQ1JBWHJZamNUblJTUHEwV2gxUllSaEhTWXlBM3Ztd0xyVWE1dXhlbTJ5MXpEX25Xa1FPTlIwNU43WGZMQlN1aU9rWGhuLUgzeGIyR0hGTHc3aDd0cUtWYWRIUnlBMFlITkFWMkFjRDVUSHBGTndhYmM5em5PblNZ?oc=5) · Eleven Warriors
- 2025-10-03 [Ohio State vs. Minnesota Preview: Buckeyes Looking for Fast Start, Special Teams Tune Up in Rare Nighttime Atmosphere at the Horseshoe - Eleven Warriors](https://news.google.com/rss/articles/CBMijAJBVV95cUxPWFFTUjRsamV2cU1SMkdoaGNZeG1LYzNkSFMwZ0FsWEQ4a2NDd0tCNVd2MEpOU0x6bU5GRWRvUWpRUTBhQktva2psNkN6WGlMMElkdDNmZWVwa011ZU1NUF95OUY3NUNqS0FTRkowUG9fQWNNUHM4ZjJMS0xFSGozODdjaS1Hb3JnUTJaWjRfdVlXWlpISHpIdXJCdllWM0xmTkdhRFB5QU1meWo5ZDE0OHRfSThpNzIxX2o0LW1USjNiZjJqQ1E3ZGNySVh6VDVPeFNwS2IzbXhfWWl1UkhBSHQya19sZXBzTWRpbXVBY1ZJUkFXWjNkQ1FPR0d6dXBtNVI2S3JBTHpNUDlS?oc=5) · Eleven Warriors
- 2025-09-12 [Ohio State vs. Ohio Preview: Dual-Threat Quarterback Parker Navarro, Battle-Tested Bobcats Should Provide Better Resistance in Final Nonconference Tune-Up - Eleven Warriors](https://news.google.com/rss/articles/CBMihgJBVV95cUxOWEJNckxRT3ZleWt0ZWoxOHZaNDFpak1iT2hZT3JDdzk3RXZ2bGhKclRHTzVSV2dVZ0QtUUc5UndfRmtGNkFaOHRsTFBTWl8wa0dJY0N0MDJRaXJOQ2liRkhBVkFxY1FGX0RGSl82UVpObE51UXA4WXpoLXEwSU11Yk9HVTVVbWNVbDctZ0FKY0lzR2I2U2lGWW5OWmpTQWZhQUNORUU2WWhhaGZObnI4Tkhxd2M0cVBRaFlPUWVkZ3RkX0hwTlc1WVRGcGpnNjZoank3TFJIQ2xUMTNRNmhRMGxjLTRoNVNHcVJVeUdOY0RKeldIb2dqY0NXOUJYRHR5eG1jSnZB?oc=5) · Eleven Warriors
- 2025-11-14 [Shutting Down Nico Iamaleava Will Shut Down UCLA in the Buckeyes‘ Likely Final Home Night Game of 2025 - Eleven Warriors](https://news.google.com/rss/articles/CBMijAJBVV95cUxQSW9HTmVjMHl4eEtIemRnem4wNHFuTE1lVHNVU1lmYUZzZDVZd3plMUc2MGRFR3Z0emVfb25wbVVSMV9KUnFURTdZTWktZHF3YUxVaDFnZG04aXQzVExsMzNyei1hX1VpWHlLbVVaWmZKd3ViT2pPLUxOakRibTZNS21sU3hJSGUxWUN6Z3NDd0JtN3dVRUZodzZfSjBEN2R4V0JzZDFVUHNCMVo3RWgxRWhjRHBOU1p1R1B1dncwd2lRdmVyNDUzcFVHNzRPaTdYZEpsYnBycFV1YXlIbjNxRXVvT0steGdCWVZaVU1sR2IwYW1qdkY5bWZDZWlxb1RWclBBT1JPd3FXV2xn?oc=5) · Eleven Warriors

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=59249 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/49.json (key "59249", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide