# FIRST BANK OF OHIO
TIFFIN, OH · FDIC certificate 9450 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. 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 | $278.4M | |
| Deposits | $176.2M | |
| Loans and leases | $195.1M | |
| Total equity | $100.3M | |
| Loans / deposits | 107.36% (p95 of band) | 73.59% |
| Liquid assets / assets | 24.57% (p31 of band) | |
| Uninsured deposits / deposits | 17.26% (p40 of band) | 19.81% |
| Brokered deposits | 18.13% | |
| Wholesale funding | 18.13% (p93 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 35.51% (p95 of band) | 11.76% |
| Unrealized securities loss / equity | -0.68% (p81 of band) | -6.57% |
| AOCI / equity | -0.13% (p62 of band) | |
| ROA (annualized) | 1.96% (p85 of band) | 1.17% |
| Net interest margin | 5.72% (p97 of band) | 3.93% |
| Efficiency ratio | 43.07% (p5 of band) | |
| Noncurrent loans | 0.26% (p45 of band) | 0.36% |
| Net charge-offs (annualized) | 0.99% (p99 of band) | |
| Reserve coverage of noncurrent | 1170.30% | |
| Real estate % of loans | 0% | |
| Construction % of loans | 0.00% (p9 of band) | |
| Auto loans | $175.0M (89.72% of loans; DQ 1.13%, NCO 0.90%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -4.7% | |
| Employees | 59 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **charge-offs p90** (`aq_nco`)
- **auto book souring** (`conc_auto`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | brokered >10%, wholesale funding >15%, auto book souring |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 3 |  |  |
| 2011-12 | 3 |  |  |
| 2012-03 | 3 |  |  |
| 2012-06 | 3 |  |  |
| 2012-09 | 3 |  |  |
| 2012-12 | 3 |  |  |
| 2013-03 | 3 |  |  |
| 2013-06 | 3 |  |  |
| 2013-09 | 3 |  |  |
| 2013-12 | 3 |  |  |
| 2014-03 | 4 | charge-offs p90 |  |
| 2014-06 | 4 |  |  |
| 2014-09 | 4 |  |  |
| 2014-12 | 4 |  |  |
| 2015-03 | 4 |  |  |
| 2015-06 | 4 |  |  |
| 2015-09 | 4 |  |  |
| 2015-12 | 4 |  |  |
| 2016-03 | 4 |  |  |
| 2016-06 | 4 |  |  |
| 2016-09 | 5 | capital falling |  |
| 2016-12 | 5 |  |  |
| 2017-03 | 4 |  | capital falling |
| 2017-06 | 4 |  |  |
| 2017-09 | 4 |  |  |
| 2017-12 | 4 |  |  |
| 2018-03 | 4 |  |  |
| 2018-06 | 4 |  |  |
| 2018-09 | 5 | capital falling |  |
| 2018-12 | 4 |  | capital falling |
| 2019-03 | 5 | loans exceed deposits |  |
| 2019-06 | 6 | capital falling |  |
| 2019-09 | 6 |  |  |
| 2019-12 | 6 |  |  |
| 2020-03 | 5 |  | capital falling |
| 2020-06 | 5 |  |  |
| 2020-09 | 6 | capital falling |  |
| 2020-12 | 6 |  |  |
| 2021-03 | 6 |  |  |
| 2021-06 | 6 |  |  |
| 2021-09 | 6 |  |  |
| 2021-12 | 6 |  |  |
| 2022-03 | 6 |  |  |
| 2022-06 | 6 |  |  |
| 2022-09 | 6 |  |  |
| 2022-12 | 6 |  |  |
| 2023-03 | 6 |  |  |
| 2023-06 | 5 |  | capital falling |
| 2023-09 | 5 |  |  |
| 2023-12 | 5 |  |  |
| 2024-03 | 5 |  |  |
| 2024-06 | 5 |  |  |
| 2024-09 | 5 |  |  |
| 2024-12 | 7 | deposits shrinking, assets shrinking |  |
| 2025-03 | 7 |  |  |
| 2025-06 | 7 |  |  |
| 2025-09 | 6 |  | assets shrinking |
| 2025-12 | 6 | capital falling | deposits shrinking |
| 2026-03 | 5 |  | capital falling |
| 2026-06 | 5 |  |  |

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

- 2022-02-22 [Heather Chapman Obituary - Columbus, OH - Dignity Memorial](https://news.google.com/rss/articles/CBMihgFBVV95cUxNRjNPUjdfNXFBTGRzSlhkNTZkM21EOFZlWS1GY3BGSjhRcGtsOHFWZUxOUlFQRENkd1ZDVU85SjFCTkdUaHB4Nm4zT2VnTHk4bWhyd255Vi1ieGxKR2tvSXNldHlBSFRVdFY3N2RNam85Q1piTHZwNjN1WF9DcEFrNzJzMHN0Zw?oc=5) · Dignity Memorial
- 2025-11-26 [Carroll County Common Pleas Court cases for week of Nov. 23 - Your Ohio News](https://news.google.com/rss/articles/CBMirgFBVV95cUxNQkNCYWtzZHNoTThxbkEtVUtxN0J6RGh1WW9BbmlWWW5iOTFGcmxtdmxRT2tZcmNNbWhRQTQtWDR4RzVjRGJnYTNURlZEblJUR0kyN01FcDUxSmV0LWZjNnoydGwwMllSX1p6NXFneHQtRTh1UXN1QTctdXVqUlprNGM5U0R5NHdSd0k2WmxkQUNCLV8ybDBWb1hrazAzUmtRdnc0d1kxMlY0b2FhRXc?oc=5) · Your Ohio News
- 2021-11-22 [Vicki L. Noller Obituary (2021) - Tiffin, OH - Engle-Shook Funeral Home - Tiffin - legacy.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxPVTk2WVlUZlNZRWlHSFhJRHNZbFFrSjhhRldsVjJKeUIyUG1ZdkVNTGN0R3pYWWVIa2FSM3djSEFudFUycnczeTN2Mno1RW5NYkpPVGE1M1U2X3JsTUJTZktXQlRRQ3I2NXh5dXJ4N0ZUdTR1LWtyQ3Bsd0RFWVVYNQ?oc=5) · legacy.com
- 2023-03-29 [Putnam County court records, March 20-24 - LimaOhio.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxQYnRGN2VQcXJHVU9yZU5YT25lcEp4eVVkRUdZVjlIVnc3MFgtekpTeE5LTFlrbHNjcW4zcjNZTG4xRGRmUHRRaDlUVFEyTGl5T09NZmpEdmRldk5Gd1hrMzRld29jNi1Fb3ZqOVR1VUg3ZnNFSE9pTVpnSmJWUUEyN1ZwNmIzN2E5Z1Z3MUZYVnFFQQ?oc=5) · LimaOhio.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=9450 (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/42.json (key "9450", 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