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Overview / Commentary
175 South Washington Street
Tiffin, OH 44883

First Bank of Ohio is headquartered in Tiffin and is the 102nd largest bank in the state of Ohio. It is also the 3,483rd largest bank in the nation. It was established in 1873 and as of December of 2013, it had grown to 40 employees at 5 locations. First Bank of Ohio has a A health rating.

Reviews (2)


Do not bank here.  I have a car loan at this organization and they frequently lose payments and refuse to work with their customers.  They charge late fees even if you fax proof from another financial organization of payment.  They do not utilize electronic payment methods.  Their support staff was abusive and terrible to work with, even after my normal bank called, they refused to have anythign to do with it.

Take my advice, do NOT bank here.

Online Banking

this bank does not offer customers online banking. this bank is behind the times. have been a loyal customer for over 35 years.


Data for Q4 2013

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 First Bank of Ohio had $508,000 in non-current loans and owned real-estate with $60.08 million in equity and loan loss allowances on hand to cover it. This gives First Bank of Ohio a Texas Ratio of 0.85% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for First Bank of Ohio experienced no significant changes from 0.93% as of December 31, 2012 to 0.85% as of December 31, 2013, resulting in a positive change of 8.67%.This indicates that the balance sheet and financial strength for First Bank of Ohio has had no significant changes in recent periods.

Deposit Growth


In the past year, First Bank of Ohio has decreased its total deposits by $-479,000, resulting in -0.45% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth First Bank of Ohio has shown is average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. First Bank of Ohio has $165.62 million in assets with $60.08 million in equity, resulting in a capitalization level of 36.27%, which is excellent.

Institution Statistics

FDIC Certificate #9450
Year Established1873
Primary RegulatorFDIC
Assets and Liabilities
Assets$165.62 million
Loans$63.07 million
Deposits$106.51 million
Equity Capital$58.35 million
Loan Loss Allowance$1.73 million
Unbacked Noncurrent Loans$321,000
Real Estate Owned$187,000
Historic Data - December 2012
Assets$164.91 million
Equity Capital$56.81 million
Loan Loss Allowance$1.63 million
Unbacked Noncurrent Loans$321,000
Real Estate Owned$187,000
Profit Margin - Quarterly
Net Interest Margin4.16%
Return on Assets1.52%
Return on Equity4.36%
Interest Income$6.89 million

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First Bank of Ohio Locations
Belpre Branch1100 Washington BoulevardBelpre, OH 45714
Mount Vernon Branch115 West High StreetMount Vernon, OH 43050
First Bank Of Ohio175 South Washington StreetTiffin, OH 44883
Bloomville Branch22 South Marion StreetBloomville, OH 44818
Marietta Branch320 Front StreetMarietta, OH 45750