🏦Bank Scorer

FIRST FEDERAL BANK OF OHIO

GALION, OH · Supervised by OTS

Est. 1891FDIC #27,643
Satisfactory Same

Current rating · Exam: March 2008

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.30%

Institution Profile

FDIC BankFind

Address

140 N Columbus St, GALION, OH

County

Crawford County

Established

January 1, 1891

Total Assets

$283M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

March 10, 2008

Exam Type

Small Bank

Regulator

OTS
What is a CRA rating? →
⚠️This exam is 18 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)
Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$283M

Total Deposits

$235M

Net Loans

$120M

Net Income

$214K

ROA

0.30%

ROE

2.12%

Risk-Based Capital

33.12%

Regulatory minimum: 8%

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate16.03%Peer avg: 7.63%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

8

Branch Deposits

$239M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202413174.05%16.03%
202311781.2%13.68%
202220483.82%10.78%
202134886.21%8.62%
202056885.92%6.34%
201930480.26%12.50%
201831978.06%13.17%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

5 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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