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First Federal Bank Of Ohio
Galion, OH · FDIC Certificate #27643 · Chartered 01/0
Total assets
$282.87M
Total deposits
$231.21M
Total equity
$40.79M
Net loans
$120.32M
Branches (offices)
8
Net income (YTD)
$497.00K
Rank: #2,553 of 4,213 U.S. banks by assets · #80 of 155 in Ohio. Assets changed 0.1% and deposits -3.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.35% |
| Return on equity | 2.45% |
| Net interest margin (YTD) | 3.15% |
| Equity to assets | 14.42% |
| Tier 1 leverage ratio | 13.68% |
| Uninsured deposits (share of deposits) | 7.1% |
| Noncurrent loans (share of loans) | 0.93% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 52.0% |
| Real estate loans (share of loans) | 94.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $113.59M | 94.4% | |
| Commercial & industrial | $125.00K | 0.1% | |
| Consumer / individual | $7.18M | 6.0% | |
| Construction & development | $5.09M | 4.2% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $274.91M | $231.85M | -$126.00K | $36.86M |
| Jun 2023 | $274.53M | $230.63M | $315.00K | $38.99M |
| Jun 2024 | $272.30M | $227.86M | $164.00K | $39.60M |
| Jun 2025 | $282.62M | $238.79M | -$371.00K | $39.79M |
| Jun 2026 | $282.87M | $231.21M | $497.00K | $40.79M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Ohio | $231.21M | 8 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $231.21M.
Similar-sized banks
Commercial Bank ($282.92M) · Pioneer Bank ($282.80M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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