What is First Bank of Central Ohio's financial health grade?

First Bank of Central Ohio has a TFS Financial Health Grade of F (score: 53.0/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does First Bank of Central Ohio have?

First Bank of Central Ohio has 2 branch locations across the United States.

Is First Bank of Central Ohio FDIC insured?

Yes, First Bank of Central Ohio is FDIC insured (Certificate #59249).

What are the total assets of First Bank of Central Ohio?

First Bank of Central Ohio has total assets of $253.3M as reported in its most recent FDIC filing.

First Bank of Central Ohio

BankWorthington, Ohio

www.fbcentralohio.com

Total Assets

$253.3M

Total Deposits

$224.3M

Branches

Established

2021

TFS Health Grade

53.0 / 100

Poor financial health

How we grade

First Bank of Central Ohio is a bank headquartered in Worthington, Ohio, established in 2021. With $253.3M in total assets and 2 branch locations, it has a TFS Financial Health Grade of F (53.0/100).

Capital & Safety

Tier 1 Capital Ratio

10.63%(8%)

Total Capital Ratio

0.00%(10%)

Non-Performing Loan Ratio

0.25%

Profitability

Return on Assets (ROA)

-0.35%(1%)

Return on Equity (ROE)

-2.89%(10%)

Net Interest Margin

3.33%

Efficiency Ratio

91.46%(60%)

Lending & Liquidity

Total Loans

$194.8M

Loan-to-Deposit Ratio

85.85%

Net Charge-Off Ratio

0.95%

Growth

Asset Growth (YoY)

+29.40%

Deposit Growth (YoY)

+34.47%

Net Income

$-762,000

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
First Bank of Central OhioHQ	6700 N High St	Worthington	OH	11
First Bank of Central Ohio	1760 W Lane Ave	Columbus	OH	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.