🏦Bank Scorer

THE OLD FORT BANKING COMPANY

OLD FORT, OH · Supervised by FDIC

Est. 1916FDIC #10,255RSSD: FDIC-10255
Part ofOLD FT BK EMPLOYEE STK OWNERSHIP&401-K PLAN→ View all charters
Satisfactory Same

Current rating · Exam: September 2023

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.37%

Institution Profile

FDIC BankFind

Address

8034 Main St, OLD FORT, OH

County

Seneca County

Established

January 16, 1916

Total Assets

$854M(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

September 1, 2023

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Sep 2027(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$854M

Total Deposits

$792M

Net Loans

$477M

Net Income

$3M

ROA

1.37%

ROE

20.13%

Risk-Based Capital

15.98%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

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

Mortgage Denial Rate10.45%Peer avg: 7.63%▼ Below avg

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Branch Footprint

FDIC SOD 2025

Total Branches

10

Branch Deposits

$802M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202422076.36%10.45%
202329781.48%7.41%
202244082.05%6.36%
202175684.66%5.56%
202095685.77%5.54%
201956979.61%9.84%
201841078.29%9.51%

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

10 previous ratings locked — dating back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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