← The catalogue
Q2 2026 · read from the 30 June 2026 Call Report · United States · Great Lakes · Ohio, the state note

First Federal Community Bank N.A.

Dover, Ohio · $995M in assets · beside the 11 other Ohio banks between $300M and $1B

The filing

1.81%
ROA
1st of 12
43.4%
Efficiency
2nd of 12
84.9%
Loans / deposits
10th of 12

First Federal Community Bank N.A. is the largest of the 12 Ohio banks nearest its size between $300M and $1B, with $995M in assets at 30 June 2026. Loans are 84.9% of deposits, 10th of 12 against a median of 76.9%, and equity is 8.8% of assets, 6th of 12. Loans grew +13.9% in the year, 3rd of 12, and deposits grew 17.2%; the cohort's median loan growth is +6.8%.

Noncurrent loans are 0.08% of the book, 4th of 12 against a median of 0.17%; 0.06% is 30 to 89 days past due, and the allowance covers them 12.8 times. Commercial real estate is 13.0% of loans, 4th of 12 against a median of 16.0%, and 101% of capital, below the 300% screen, with construction at 22% against the 100% screen.

Return on assets is 1.81%, the highest in the cohort against a median of 1.26%, on an efficiency ratio of 43.4%, 2nd of 12. Five years ago it was 1.33%. The question is which of these lines moves first over the next four quarters, and against which peer.

Return on assetsOH banks $300M to $1B · 30 June 2026 · higher is stronger, listed first
median 1.26% FF First Federal Community Bank N.A. 1.81% GN Greenville National Bank 1.66% PB Peoples Bank Co. 1.61% MB Minster Bank 1.59% OF Old Fort Banking Co. 1.42% UB Unified Bank 1.35% CB Community Bank 1.16% KS Killbuck Savings Bank Co. 1.12% GB Genoa Banking Co. 0.83% AB Andover Bank 0.76% MB Mechanics Bank 0.72% BS Belmont Savings Bank 0.35%
Loans, year over yearOH banks $300M to $1B · 30 June 2026 · no better direction, largest first
median +6.8% KS Killbuck Savings Bank Co. +15.2% MB Minster Bank +14.5% FF First Federal Community Bank N.A. +13.9% GB Genoa Banking Co. +9.6% MB Mechanics Bank +9.2% OF Old Fort Banking Co. +6.9% BS Belmont Savings Bank +6.8% PB Peoples Bank Co. +6.6% GN Greenville National Bank +4.7% AB Andover Bank +4.2% CB Community Bank +3.6% UB Unified Bank -0.9%

SBA 7(a), FY2008 to FY2026

First Federal Community Bank N.A. is the 136th largest 7(a) lender into Ohio of 361, with $8M across 42 loans, 0.1% of everything approved in the state (The Huntington National Bank leads with $5.20B). 3 of its 5 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Ohio, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Tuscarawas, OH$7M2nd of 417.6%+0.8 pts
Holmes, OH$637K6th of 171.8%quiet FY2022
Stark, OH$550K49th of 760.1%quiet FY2019
Wayne, OH$100K39th of 420.1%thin
Carroll, OH$50K17th of 220.2%quiet FY2021
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Wholesale trade10$3M30.5%0.01%632nd of 1,651
Manufacturing9$2M21.9%0.00%1130th of 2,246
Health care & social assistance5$1M13.7%0.00%1107th of 2,172
Accommodation & food services3$920K11.0%0.00%1634th of 2,596
Real estate & leasing3$525K6.3%0.00%925th of 1,452
7(a) lenders into Ohio, share of approvals since FY2008361 lenders on record; the ten largest and First Federal
TH The Huntington National Bank 34.6% $5.20B · 33,020 loans KN KeyBank National Association 4.7% $713M · 2,039 loans LO Live Oak Banking Company 4.1% $620M · 502 loans UB U.S. Bank, National Association 3.8% $570M · 2,992 loans FT Fifth Third Bank 2.8% $414M · 977 loans FF First Financial Bank 2.3% $349M · 970 loans FC First Commonwealth Bank 2.3% $346M · 539 loans JC JPMorgan Chase Bank, National Ass… 1.9% $285M · 1,869 loans UM United Midwest Savings Bank Natio… 1.8% $268M · 375 loans PB PNC Bank, National Association 1.6% $241M · 1,176 loans FF First Federal Community Bank Nati… 0.1% $8M · 42 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 2 CBLR filers; owner-occupied excluded; bold marks a screen met
First FederalRankCohort median
Total CRE against capital, the 300% screen101%7th of 1294%
Construction against capital, the 100% screen22%4th of 1224%
Construction and land development, share of loans2.8%4th of 124.3%
Non-owner-occupied nonfarm nonresidential, share of loans6.7%5th of 127.4%
Total CRE, the guidance definition, share of loans13.0%4th of 1216.0%
CRE growth over 36 months, the third prong+36.5%6th of 12+42.5%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
First Federal Community Bank N.A.$995M1.8%43.4%0.08%0.00%1.0%84.9%8.8%
Killbuck Savings Bank Co.$954M1.1%60.9%0.01%0.00%0.8%78.5%8.4%
Mechanics Bank$896M0.7%75.3%0.42%0.00%1.0%93.8%7.8%
Unified Bank$872M1.4%63.7%1.29%0.02%0.9%70.7%8.7%
Peoples Bank Co.$859M1.6%38.4%0.13%0.01%1.3%62.3%9.7%
Old Fort Banking Co.$844M1.4%56.9%0.20%0.01%1.1%62.0%6.8%
Minster Bank$812M1.6%50.2%0.14%0.01%1.2%64.3%8.9%
Genoa Banking Co.$748M0.8%71.5%0.01%0.04%1.0%85.8%7.3%
Community Bank$680M1.2%68.9%0.23%0.08%1.0%80.1%10.3%
Greenville National Bank$641M1.7%49.3%0.05%0.03%1.4%84.0%12.5%
Belmont Savings Bank$613M0.3%77.9%1.67%0.02%0.9%75.3%10.7%
Andover Bank$595M0.8%76.8%0.26%0.02%0.6%50.9%6.5%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
First FederalCohort median
20212026Change20212026Change
Loans$447M$761M+70%$338M$482M+43%
Deposits$522M$897M+72%$552M$711M+29%
NPA / loans0.15%0.08%-0.07 pts0.27%0.17%-0.10 pts
Efficiency52.3%43.4%-8.9 pts61.4%62.3%+1.0 pts
ROA1.33%1.81%+0.48 pts1.05%1.26%+0.21 pts

This read was prepared for First Federal Community Bank N.A.'s board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on First Federal Community Bank N.A. is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort OH banks $300M to $1B
Institution www.firstfed.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
← Back to the catalogue