Updated June 2026 · FDIC Call Report Q2 2024
Banks in Ohio
144 FDIC-insured banks are chartered in Ohio, holding $4.9T in combined assets. The state-wide average Bank Health Score is 80/100 (A), built from quarterly FDIC Call Report data on capital, loan quality, liquidity, and profitability.
Ohio has 144 FDIC-insured banks headquartered in the state, holding $4.9T in total assets. The average BankHealth composite score across Ohio banks runs 80/100 (average grade A) — favorable territory for a state-level rollup.
The largest bank by total assets in Ohio is Trust Co of Toledo NA. 10 banks are flagged as at-risk under the BankHealth rubric — typically a low share for a state with strong average scores. Each bank below links to its full BankHealth profile — Tier 1 capital ratio, non-performing loan ratio, liquidity ratio, ROA, multi-quarter trend, and the composite grade breakdown. Cross-bank comparisons within the same state are most useful when controlling for size class.
Ohio's Banking Sector
Ohio hosts a substantial banking sector — 144 FDIC-insured institutions holding $4.9T in combined assets. The mix ranges from regional commercial banks to small community institutions serving rural communities, with depositor choice typically strong across both urban and rural markets.
Banks in Ohio are healthy on average — the cohort posts a Bank Health Score of 80/100 (A), comfortably stronger than the national bank median. State-level averages of this caliber typically reflect a combination of conservative underwriting, diversified loan books, and strong capital cushions. That said, dispersion across individual banks is always wider than the average suggests; specific bank profiles still warrant individual review.
10 of 144 banks in Ohio (about 7%) currently land in the at-risk tier on the current Call Report. That count is roughly in line with national norms, and reflects the natural tail of any large cohort rather than a state-specific concentration.
Healthiest Banks in Ohio
Trust Co of Toledo NA
Fds Bank
Credit First National Assn
Private Trust Co NA
Nationwide Trust Co FSB
Settlers Bank
Sutton Bank
Bank of Magnolia Co
Covington Savings&Loan Assn
Ottoville Bank Co
Banks Showing Weakness in Ohio
New Carlisle FSB
Ohio State Bank
Sherwood State Bank
First Fed Cmty Bk of Bucyrus
Fairfield Fs&la of Lancaster
Hometown Bank
Lcnb National Bank
Main Street Bank Corp
SSB Community Bank
Greenville Federal
For Ohio Depositors
FDIC insurance protects deposits at every bank on this page up to $250,000 per depositor, per insured bank, per ownership category — identical coverage regardless of state. The Bank Health Score ranks regulatory cushion across institutions; it is not a guarantee. Confirm your bank's FDIC status and your specific coverage at FDIC.gov before making changes.
Federal regulators — including the OCC for national charters and the FDIC for state-chartered insured banks — oversee the institutions on this page. Quarterly FFIEC Call Reports are public and provide line-item detail behind every metric here.
How These Scores Are Calculated
Every bank on this page earns a Bank Health Score from four FDIC Call Report inputs: Tier 1 capital ratio (35%), NPL ratio inverted (30%), liquidity ratio (25%), and return on assets (10%). The composite is reported as a 0–100 score and an A–F grade. Read the full methodology.
Frequently Asked Questions
How many banks are in Ohio?
144 FDIC-insured banks are chartered in Ohio, holding $4.9T in combined assets. Ohio hosts a substantial banking sector — 144 FDIC-insured institutions holding $4.9T in combined assets. The mix ranges from regional commercial banks to small community institutions serving rural communities, with depositor choice typically strong across both urban and rural markets.
What is the average bank health score in Ohio?
Banks in Ohio are healthy on average — the cohort posts a Bank Health Score of 80/100 (A), comfortably stronger than the national bank median. State-level averages of this caliber typically reflect a combination of conservative underwriting, diversified loan books, and strong capital cushions. That said, dispersion across individual banks is always wider than the average suggests; specific bank profiles still warrant individual review.
Which banks in Ohio are showing the most stress?
10 of 144 banks in Ohio (about 7%) currently land in the at-risk tier on the current Call Report. That count is roughly in line with national norms, and reflects the natural tail of any large cohort rather than a state-specific concentration. See the "Banks Showing Weakness" section above for the specific institutions and their Health Score factors.
Are banks in Ohio FDIC-insured?
Yes. Every bank on this page is FDIC-insured, which protects deposits up to $250,000 per depositor, per insured bank, per ownership category. FDIC insurance is identical regardless of state. Verify your bank's status and your specific coverage at FDIC.gov, particularly if you hold combined balances above the $250,000 limit.
Where does this data come from?
All bank financials are pulled from the FDIC BankFind API, which sources directly from quarterly Call Reports filed with the FFIEC. Health Scores are computed from a transparent four-factor formula using public Call Report fields. All data is U.S. government public domain.
Sources: FDIC BankFind API ( banks.data.fdic.gov); FFIEC Call Reports ( cdr.ffiec.gov/public); OCC ( occ.gov). Public domain.
Last updated 2026-06-29 · Data covers 144 Ohio banks. Informational only; not investment advice.