First Bank of Central Ohio
Worthington, OH
IDRSSD: 5528880
Total Assets
$253.32M
Latest filing
Total Deposits
$224.26M
Latest filing
Net Interest Margin
3.33%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
First Bank of Central Ohio
6700 N High St
Worthington, OH 43085
Full Service - Brick and Mortar
Updated 01/30/2026Established 04/12/2021FDIC Certificate 625613
Branches (1)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| First Bank of Central Ohio (Main) | 6700 N High St | Worthington, OH |
| 1760 WEST LANE AVENUE BRANCH | 1760 W Lane Ave | Columbus, OH |
Showing 1 of 1
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 04/12/2021 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 43085 |
| State and County Number | 39049 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 04 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Columbus, OH |
Operational Info
| Number of Employees | 34 |
| Domestic Offices | 2 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 04/12/2021 |
| Primary Insurance Agency | DIF |
| Website | www.fbcentralohio.com |
| Data Updated | 01/30/2026 |
| CERT | 59249 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $253.32M |
| Total Deposits | $224.26M |
| Total Liabilities | $226.83M |
| Total Equity Capital | $26.49M |
| Net Income | $-393,000 |
| Net Loans and Leases | $192.52M |
| Assets Per Employee ($Millions) | $7.45M |
| Bank Premises and Fixed Assets | $2.42M |
| Cash and Balances due from Depository Institutions | $5.89M |
| Deposits Held in Domestic Offices | $224.26M |
Key Performance Ratios
| Return on Assets (ROA) | -0.65% |
| Return on Equity (ROE) | -5.92% |
| Net Interest Margin | 3.33% |
| Efficiency Ratio | 77.59% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 1.94% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.456% |
| Earning Assets to total Assets | 97.05% |
Income and Expense
| Total Interest Income | $3.75M |
| Total Noninterest Income | $1.06M |
| Total Interest Expense | $1.79M |
| Total Noninterest Expense | $2.34M |
| Net Interest Income | $1.95M |
| Pre-tax Net Operating Income | $-498,000 |
| Provision for Credit Losses | $1.17M |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $34.93M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $2.58M |
| Total Liabilities and Capital | $253.32M |
Securities
| Securities | $12.66M |
| Available-for-sale debt securities | $12.66M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of First Bank of Central Ohio?
$253.32M as of the latest filing.
How much are First Bank of Central Ohio's total deposits?
$224.26M in total deposits.
Where is First Bank of Central Ohio located?
Worthington, OH.
What is the Net Interest Margin?
3.33%.
How many domestic offices does it operate?
2.
When was it established?
04/12/2021.
What is the Return on Assets (ROA)?
-0.65%.
How much are total loans and leases?
$192.52M (latest filing).
What is the total interest income (latest filing)?
$3.75M.