The catalogue › United States › Great Lakes › Ohio
The state note · prepared 7 September 2026

Ohio

157 banks and 195 credit unions read from their latest filings, every institution ranked against the rest of the state.

Small-business lending ↓

Banks

157 banks filing · read from the 30 June 2026 Call Report
157
banks filing
$5.72T in assets
+5.7%
Loans, year over year
median; 41 above 10%, 38 shrinking
15.2%
CRE / loans
median
81.4%
Loans / deposits
median
0.41%
NPA / loans
median
10.5%
Equity / assets
median

Ohio's 157 banks hold $5.72T in assets at 30 June 2026. JPMorgan Chase Bank N.A. is the largest at $4.09T, and the five largest hold 97% of the total; 36 institutions are above $1B, holding $5.69T.

Loans grew a median +5.7% in the year to 30 June 2026: 41 institutions grew faster than 10% and 38 shrank. The median bank lends 81% of its deposits and holds commercial real estate at 15.2% of loans. Nonperforming loans sit at a median 0.41% of the book, return on assets at 1.00%, and equity at 10.5% of assets.

17 of the 157 are in the catalogue, each read from its own filing beside the banks its size in the state: JPMorgan Chase Bank N.A., U S Bank National Association, Fifth Third Bank N.A., Huntington National Bank, KeyBank National Association, First Financial Bank, Third Federal Savings & Loan Association of Cleveland, Park National Bank, Peoples Bank, Farmers National Bank of Canfield, First Federal Savings & Loan Association of Lakewood, LCNB National Bank, Cfbank National Association, First Federal Community Bank N.A., Killbuck Savings Bank Co., Mechanics Bank, Unified Bank.

Who holds the state's assetseach institution's share of the $5.72T the state's 157 hold; the largest first, amber in the catalogue
JPMorgan Chase Bank N.A.: 71.5%JC71%U S Bank National Association: 12.3%US12%Fifth Third Bank N.A.: 5.2%FTHuntington National Bank: 4.9%HNKeyBank National Association: 3.3%KNFirst Financial Bank: 0.4%Third Federal Savings & Loan Association of Cleveland: 0.3%Park National Bank: 0.2%Peoples Bank: 0.2%Farmers National Bank of Canfield: 0.1%147 others 2%JCJPMorgan Chase Bank N…71.5%USU S Bank National Ass…12.3%FTFifth Third Bank N.A.5.2%HNHuntington National B…4.9%KNKeyBank National Asso…3.3%FFFirst Financial Bank0.4%TFThird Federal Savings…0.3%PNPark National Bank0.2%PBPeoples Bank0.2%FNFarmers National Bank…0.1%

JPMorgan Chase Bank N.A. holds 71.5% of the state's bank assets; the five largest hold 97%, and 36 of the 157 are above $1B.

How concentrated that iscumulative share of assets against the share of institutions, largest first; the Gini from the drawn curve
0%0%25%25%50%50%75%75%100%100%equal sharesThe largestJPMorgan Chase Bank N.A.: 71% of the totalThe five largest97% of the totalThe ten largest98% of the totalGINI10 = equal shares · 1 = one holds everythingshare of institutions, largest first →↑ share of the total

The curve's distance from the diagonal is the concentration: 97% of the assets in 3% of the institutions. A Gini near zero would mean equal shares; one would mean a single holder.

What the state's banks lendthe loan book of every bank in the state, summed by category as filed
Other loans and leases25.4%$651B1-4 family residential, closed-end21.5%$551BCommercial & industrial19.9%$510BCredit card9.8%$253BMultifamily5.5%$142BNonfarm nonresidential, non-owner-occupied3.9%$101BAuto3.7%$95.8BNonfarm nonresidential, owner-occupied2.4%$61.9BHome equity lines2.1%$52.8BConsumer, other2.0%$50.4BConstruction & land1.9%$49.2BStates & municipalities1.6%$41.2BFarmland0.2%$4.4BAgricultural production0.1%$3.6B

Other loans and leases is the largest category at 25.4% of the state's $2.57T in loans, then 1-4 family residential, closed-end at 21.5% and Commercial & industrial at 19.9%.

Loans, year over yearOhio banks, 30 June 2026 against a year earlier · no better direction, largest first · the 25 highest of 154 · amber, in the catalogue
state median +5.7% FB Fortuna Bank +581.1% FT Fifth Third Bank N.A. +45.8% AB Adelphi Bank +44.7% FN Farmers National Bank of Canfield +44.6% HN Huntington National Bank +40.9% UB Union Banking Co. +38.7% FS Farmers State Bank +26.5% PN Park National Bank +22.2% FF First Federal Savings & Loan Asso… +21.1% RB Riverside Bank of Dublin +20.7% HB Harrison Building & Loan Associat… +20.0% CC Corn City State Bank +20.0% CC Croghan Colonial Bank +19.3% FF First Financial Bank +16.6% WF Warsaw Federal Savings & Loan Ass… +15.8% FB First Bank of Central Ohio +15.5% CN Consumers National Bank +15.3% KS Killbuck Savings Bank Co. +15.2% FB Fahey Banking Co. +15.1% FF First Federal Savings & Loan Asso… +15.0% MB Minster Bank +14.5% PS Peoples State Bank +14.4% FC First Citizens National Bank Uppe… +14.1% SB Sutton Bank +14.1% FF First Federal Savings & Loan Asso… +14.0%

Fortuna Bank grew fastest at +581.1%; 41 grew faster than 10% and 38 shrank, First Bank of Ohio the most at -12.0%. The median is +5.7%.

Commercial real estate, share of loansOhio banks, 30 June 2026 · construction, multifamily and non-owner-occupied nonresidential; listed largest first · the 25 highest of 155 · amber, in the catalogue
state median 15.2% FB Fahey Banking Co. 81.0% RB Riverhills Bank 68.9% CC Croghan Colonial Bank 59.8% OS Ohio State Bank 58.8% AB Adelphi Bank 54.0% FB Fortuna Bank 51.9% RB Riverside Bank of Dublin 50.7% LN LCNB National Bank 48.5% CS Cincinnatus Savings & Loan Co. 46.2% CB Civista Bank 45.8% FB First Bank of Central Ohio 45.1% HS Hamler State Bank 44.5% FS First State Bank 44.2% CN Cfbank National Association 41.3% UB Union Bank Co. 40.6% FC First Citizens National Bank Uppe… 39.1% BS Buckeye State Bank 38.7% CN Citizens National Bank of Bluffton 38.3% SV Spring Valley Bank 38.2% NC National Coop Bank N A 37.5% FM Farmers & Merchants Bank 36.1% WB Waterford Bank N A 36.1% RB Richwood Banking Co. 35.0% SB State Bank & Trust Co. 33.3% VC Valley Central Bank 32.7%

Fahey Banking Co. is the most CRE-weighted at 81.0% of loans; 15 of the 157 are above 40%, against a median of 15.2%.

Commercial real estate against capital, the 300% screenOhio banks, 30 June 2026 · the 2006 interagency guidance's screen; total risk-based capital where filed, Tier 1 for a CBLR filer; listed largest first · the 25 highest of 157 · amber, in the catalogue
state median 86% 300% screen RB Riverhills Bank 493% RB Riverside Bank of Dublin 479% OS Ohio State Bank 461% FB Fahey Banking Co. 404% LN LCNB National Bank 386% FB First Bank of Central Ohio 363% CC Croghan Colonial Bank 359% AB Adelphi Bank 283% BS Buckeye State Bank 280% CN Cfbank National Association 279% CN Citizens National Bank of Bluffton 277% CB Civista Bank 261% NC National Coop Bank N A 255% WB Waterford Bank N A 248% OV Ohio Valley Bank Co. 242% FM Farmers & Merchants Bank 240% FM Farmers & Merchants State Bank 231% UB Union Bank Co. 228% SB State Bank & Trust Co. 225% NC New Carlisle FSB 223% HS Hamler State Bank 214% RB Richwood Banking Co. 209% CS Cincinnatus Savings & Loan Co. 201% SB Savings Bank 200% SC SSB Community Bank 199%

7 of the 157 banks sit above the 300% screen, Riverhills Bank the highest at 493% of capital; the median is 86%. Crossing the screen is not a violation; it is the level at which examiners expect the risk-management practices the guidance describes.

Construction and land development against capital, the 100% screenOhio banks, 30 June 2026 · the guidance's first prong; listed largest first · the 25 highest of 157 · amber, in the catalogue
state median 22% 100% screen AB Adelphi Bank 142% OS Ohio State Bank 116% NC New Carlisle FSB 104% RB Riverside Bank of Dublin 98% CN Cfbank National Association 94% WC Waterford Commercial & Savings Ba… 92% FF First Fed Community Bank of Bucyr… 86% GB Greenway Bank 86% VC Vinton County National Bank 77% CC Croghan Colonial Bank 73% HF Home Federal Savings & Loan Assoc… 67% RB Riverhills Bank 64% HB Hicksville Bank 59% OV Ohio Valley Bank Co. 57% FM Farmers & Merchants Bank 56% UB Union Bank Co. 53% BS Buckeye State Bank 53% AC Apple Creek Banking Co. 52% KS Killbuck Savings Bank Co. 51% HL Home Loan Savings Bank 50% SB State Bank & Trust Co. 50% WS Woodsfield Savings Bank 49% HN Home National Bank 49% SC SSB Community Bank 48% FB First Bank of Central Ohio 47%

3 of the 157 banks sit above the 100% construction screen, Adelphi Bank the highest at 142%; the median is 22%.

Loans to depositsOhio banks, 30 June 2026 · listed highest first · the 25 highest of 157 · amber, in the catalogue
state median 81% TF Third Federal Savings & Loan Asso… 160% SV Spring Valley Bank 155% HF Home Federal Savings & Loan Assoc… 142% WF Warsaw Federal Savings & Loan Ass… 125% PS Peoples Savings & Loan Co. 121% CS Community Savings 111% FB First Bank of Ohio 111% HL Home Loan Savings Bank 110% FF First Fed Community Bank of Bucyr… 109% FF First Federal Savings & Loan Asso… 109% NC New Carlisle FSB 108% OS Ohio State Bank 106% MS Mercer Savings Bank 104% PF Peoples First Savings Bank 104% PS Pioneer Savings Bank 103% CN Citizens National Bank of Bluffton 102% FB Fahey Banking Co. 102% US Union Savings Bank 101% FF Fairfield Federal Savings & Loan … 100% SC SSB Community Bank 100% CN Cfbank National Association 99% HS Home S & L Kenton Oh dba HSLC 99% HS Home Savings Bank of Wapakoneta 98% RB Riverside Bank of Dublin 98% ES Equitable Savings & Loan Co. 98%

18 of the 157 lend more than they hold in deposits, Third Federal Savings & Loan Association of Cleveland the furthest at 160%; the median is 81%.

Nonperforming loans, share of loansOhio banks, 30 June 2026 · listed highest first · the 25 highest of 155 · amber, in the catalogue
state median 0.41% FM Farmers & Merchants Bank 3.86% FB Fahey Banking Co. 3.83% FN First National Bank of Waverly 3.61% NC National Coop Bank N A 2.67% HN Home National Bank 2.43% SS Sherwood State Bank 2.36% PF Peoples First Savings Bank 2.34% PS Peoples Savings & Loan Co. 2.22% VC Valley Central Bank 2.17% NB National Bank Adams Cnty W Uni 2.10% NC New Carlisle FSB 1.78% FN First National Bank of Bellevue 1.77% BS Belmont Savings Bank 1.67% CN Citizens National Bank Mcconnelsv… 1.66% SH Southern Hills Community Bank 1.58% PS Peoples Savings Bank 1.58% FB First Bank of Central Ohio 1.48% US U S Bank National Association 1.45% OV Ohio Valley Bank Co. 1.45% B Bank419 1.42% LS Liberty Savings Bank FSB 1.42% HS Hamler State Bank 1.38% ES Equitable Savings & Loan Co. 1.33% FF First Federal Savings & Loan Asso… 1.32% WF Warsaw Federal Savings & Loan Ass… 1.30%

Farmers & Merchants Bank carries the most nonperforming loans at 3.86% of the book; 36 of the 157 are above 1%, and the median is 0.41%.

The allowance against nonperforming loansthe twenty widest gaps between the reserve and the trouble it covers, both as shares of loans · bold, in the catalogue
0.00%0.50%1.00%1.50%2.00%2.50%3.00%3.50%NPA / loansAllowance / loansIBIndependence Bank+3.26%OBOttoville Bank Co.+3.15%FBFirst Bank of Ohio+2.77%MVMT Victory State Bank+2.74%CBCitizens Bank Co.+2.55%WSWilmington Savings Bank+2.25%FNFirst National Bank in New Bremen+1.71%FJFort Jennings State Bank+1.58%SBSettlers Bank+1.55%OBOsgood Bank+1.43%ABAdelphi Bank+1.40%GNGreenville National Bank+1.31%UMUnited Midwest Savings Bank N.A.+1.26%SHST Henry Bank+1.25%VSVersailles Savings & Loan Co.+1.21%RBRiverhills Bank+1.20%SBSutton Bank+1.20%PBPeoples Bank Co.+1.18%FBFortuna Bank+1.16%BCBuckeye Community Bank+1.15%

The distance between the two dots is the reserve's headroom over the loans already in trouble. 35 of the 157 hold an allowance smaller than their nonperforming loans.

Return on assetsOhio banks, 30 June 2026 · listed highest first · the 25 highest of 157 · amber, in the catalogue
state median 1.00% CF Credit First National Association 23.04% NT Nationwide Trust Co. FSB 17.27% SB Sutton Bank 3.68% SV Spring Valley Bank 2.94% SH ST Henry Bank 2.79% HL Home Loan Savings Bank 2.43% CN Citizens National Bank of Bluffton 2.41% NB National Bank Adams Cnty W Uni 2.10% US Union Savings Bank 2.08% FB First Bank of Ohio 1.99% GS Guardian Savings Bank 1.98% FB Fahey Banking Co. 1.85% PN Park National Bank 1.83% FM Farmers & Merchants Bank 1.83% FF First Federal Community Bank N.A. 1.81% SB Settlers Bank 1.79% Bo Bank of Magnolia Co. 1.68% GN Greenville National Bank 1.66% PB Peoples Bank Co. 1.61% MB Minster Bank 1.59% SB Signature Bank National Associati… 1.56% SC SSB Community Bank 1.55% JC JPMorgan Chase Bank N.A. 1.54% FF First Financial Bank 1.52% MS Main Street Bank Corp. 1.46%

Credit First National Association earns the most at 23.04% and Fortuna Bank the least at -3.71%; 32 of the 157 earn under 0.50%, and the median is 1.00%.

The efficiency ratio, with the return beside itOhio banks, 30 June 2026 · cost as a share of revenue, lowest first; return on assets at the right · the 25 lowest of 157 · amber, in the catalogue
state median 68.3% SH ST Henry Bank 34.7% ROA 2.79% PB Peoples Bank Co. 38.4% ROA 1.61% HL Home Loan Savings Bank 39.8% ROA 2.43% FB First Bank of Ohio 43.1% ROA 1.99% FF First Federal Community Bank N.A. 43.4% ROA 1.81% SB Sutton Bank 44.4% ROA 3.68% NB National Bank Adams Cnty W Uni 46.5% ROA 2.10% GS Guardian Savings Bank 47.2% ROA 1.98% SV Spring Valley Bank 47.7% ROA 2.94% FM Farmers & Merchants Bank 48.1% ROA 1.83% CN Cfbank National Association 48.4% ROA 1.21% US Union Savings Bank 48.4% ROA 2.08% SB Signature Bank National Associati… 48.8% ROA 1.56% OB Ottoville Bank Co. 48.9% ROA 1.44% GN Greenville National Bank 49.3% ROA 1.66% WB Waterford Bank N A 49.7% ROA 1.25% CN Citizens National Bank of Bluffton 49.9% ROA 2.41% MB Minster Bank 50.2% ROA 1.59% SB Settlers Bank 50.5% ROA 1.79% MS Main Street Bank Corp. 50.5% ROA 1.46% FN First National Bank in New Bremen 51.1% ROA 1.35% FB Fahey Banking Co. 51.3% ROA 1.85% CC Corn City State Bank 52.3% ROA 1.41% OS Ohio State Bank 52.4% ROA 1.05% CS Coml & Savings Bank Millersburg O… 53.0% ROA 1.45%

ST Henry Bank runs the leanest at 34.7% of revenue in cost; 43 of the 157 spend more than 80 cents of every revenue dollar, and the median is 68.3%.

The fifteen largest, 30 June 2026navy: the stronger half of each column; amber: the weaker; darker at the ends; bold rows are in the catalogue
InstitutionAssetsLoans YoYCRE / loansLoans / depositsNPA / loansROAEquity / assets
JPMorgan Chase Bank N.A.$4.09T+9.4%10.6%55%0.78%1.54%8.3%
U S Bank National Association$706B+8.1%10.1%76%1.45%1.25%9.8%
Fifth Third Bank N.A.$299B+45.8%12.0%74%0.84%0.87%12.6%
Huntington National Bank$283B+40.9%12.9%84%1.06%1.00%11.8%
KeyBank National Association$189B+4.3%12.6%71%0.86%1.26%9.9%
First Financial Bank$22.4B+16.6%28.4%77%0.70%1.52%13.4%
Third Federal Savings & Loan Association of Cleveland$18.1B+3.6%0.0%160%0.25%0.61%9.9%
Park National Bank$12.6B+22.2%28.8%90%0.86%1.83%12.4%
Peoples Bank$9.5B+3.3%25.2%91%0.60%1.30%12.7%
Farmers National Bank of Canfield$7.2B+44.6%30.0%81%0.93%1.15%11.5%
Erebor Bank N A$4.7Bno record0.0%2%0.00%-2.14%12.8%
National Coop Bank N A$4.3B+8.3%37.5%96%2.67%1.37%11.0%
Civista Bank$4.3B+3.2%45.8%94%0.92%1.44%14.8%
Union Savings Bank$4.0B-0.8%14.8%101%0.70%2.08%10.2%
Farmers & Merchants State Bank$3.5B+2.8%30.2%94%0.27%1.26%11.5%
Five years, 2021 to 2026the 154 institutions filing at both dates; dollars as growth, ratios in points
20212026Change
Loans, in total$1.76T$2.57T+46%
Deposits, in total$3.40T$4.11T+21%
NPA / loans, median0.47%0.42%-0.05 pts
Efficiency, median71.8%67.9%-3.9 pts
ROA, median0.83%1.01%+0.17 pts

Small-business lending

SBA 7(a) approvals into Ohio since FY2008, across every lender type

$15.0B of 7(a) credit has been approved into Ohio since FY2008 across 57,304 loans. Accommodation & food services is the largest category at 18.1%, Manufacturing at 13.4%, Health care & social assistance at 9.7%; the three together are 41% of the money. The heaviest losses fall in Retail trade, at 2.68% of approvals charged off.

7(a) lenders in the state, share of approvalssince FY2008, 361 lenders on record; SBA 7(a) release as of the 2026 file; loans credited to the institution holding them today; amber, in the catalogue
TH The Huntington National Bank 34.6% $5.2B · 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 CB Celtic Bank Corporation 1.5% $230M · 407 loans WB Wesbanco Bank, Inc. 1.5% $221M · 376 loans
What the state's 7(a) money financeseach industry's share of approvals since FY2008, the twelve largest
Accommodation & food services19.0%$2.7B · 7,042 loansManufacturing14.1%$2.0B · 4,582 loansHealth care & social assistance10.2%$1.5B · 4,228 loansRetail trade9.8%$1.4B · 6,344 loansConstruction9.4%$1.3B · 8,397 loansOther services7.6%$1.1B · 4,870 loansProfessional & technical services7.5%$1.1B · 4,639 loansTransportation & warehousing5.7%$824M · 6,768 loansWholesale trade5.6%$808M · 2,038 loansArts, entertainment & recreation4.3%$613M · 1,729 loansAdministrative & waste services4.1%$589M · 3,191 loansReal estate & leasing2.8%$395M · 1,058 loans
The industries, with what defaultsapprovals, loans and charged-off dollars by industry since FY2008; a loss rate is charged-off over approved dollars, on settled and unsettled cohorts alike
IndustryApprovedLoansShareCharged offLoss rate
Accommodation & food services$2.7B7,04218.1%$69M2.53%
Manufacturing$2.0B4,58213.4%$25M1.22%
Health care & social assistance$1.5B4,2289.7%$22M1.47%
Retail trade$1.4B6,3449.4%$38M2.68%
Construction$1.3B8,3978.9%$26M1.94%
Other services$1.1B4,8707.2%$23M2.08%
Professional & technical services$1.1B4,6397.1%$21M1.93%
Transportation & warehousing$824M6,7685.5%$21M2.61%
Wholesale trade$808M2,0385.4%$12M1.45%
Arts, entertainment & recreation$613M1,7294.1%$15M2.43%
Administrative & waste services$589M3,1913.9%$11M1.87%
Real estate & leasing$395M1,0582.6%$978K0.25%
The largest county marketsapprovals since FY2008 and how many lenders have written there
CountyApprovedLoansLenders
Franklin$2.2B8,366166
Cuyahoga$1.9B7,651145
Hamilton$1.4B4,095122
Summit$878M3,311106
Montgomery$783M2,321111
Lucas$515M1,76890
Butler$486M1,56082
Delaware$450M1,73288
Stark$432M2,22176
Warren$381M1,13688

Each institution in the catalogue has its own read, prepared for its board and management from the public record. The full pack on any Ohio institution, twenty sections from its own filing, is prepared on request.

Ask for a pack

Prepared 7 September 2026
Sources FFIEC Call Report and NCUA 5300 via the FDIC and NCUA; SBA 7(a) release
Cohort every institution filing in Ohio

Computed from each institution's own filing as published; medians are unweighted; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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