Updated April 2026 · FDIC Call Report Q2 2024

A-Rated Banks in Ohio

49 banks · Average score: 89/100 · Combined assets $4.6T

49 banks in this state currently hold A grades, averaging a composite score of 89/100. Within the tier, individual bank profiles still vary materially on which factor is driving the grade — review the table below for the per-bank breakdown. The tier averages a Tier 1 capital ratio of 30.58% and an NPL ratio of 0.40%, sourced from the most recent FDIC quarterly Call Report.

49 Ohio banks earn an A grade on the BankHealth composite, with an average score of 89/100. A-grade banks combine strong Tier 1 capital, clean loan books, comfortable liquidity, and solid ROA.

State-and-grade combinations help depositors and policy researchers identify clusters of banking health (or stress) within a specific geography. The list below ranks Ohio A-grade banks by health score with links to each bank's full profile.

A B C D F

What "A" Means in Practice

A-graded banks in Ohio are the strongest tier — institutions with composite Bank Health Scores of 80 or higher across capital, loan quality, liquidity, and profitability. Currently 49 banks chartered in Ohio qualify. A grades typically reflect well-above-regulatory capital cushions (often 12%+ Tier 1), sub-1% nonperforming loans, and ample liquidity buffers. Many A-graded banks are conservatively run community institutions or specialty banks with focused, lower-risk loan portfolios.

For depositors: A-graded institutions face less probability of regulatory action than peers, all else equal. That said, FDIC insurance — not the bank's grade — protects deposits up to $250,000 per depositor, per insured bank, per ownership category. The grade describes regulatory cushion; insurance describes guaranteed protection.

Tier-Wide Snapshot in Ohio

Banks in this grade tier	49
Combined assets	$4.6T
Average composite score	89/100
Average Tier 1 capital ratio	30.58%
Average NPL ratio	0.40%

All A-Graded Banks in Ohio

#	Bank	City	Score	Assets	Tier 1 Capital	NPL Ratio	Liquidity
1	Fds Bank	Mason	100	$106M	221.69%	0.00%	86.26%
2	Credit First National Assn	Brook Park	100	$40M	367.61%	0.00%	93.09%
3	Nationwide Trust Co FSB	Columbus	100	$152M	95.00%	0.00%	76.04%
4	Sutton Bank	Attica	99	$2.2B	30.22%	0.13%	77.32%
5	Bank of Magnolia Co	Magnolia	98	$98M	22.08%	0.05%	33.88%
6	Peoples Bank Co	Coldwater	96	$798M	18.94%	0.00%	46.78%
7	First Central Nb of St Paris	St. Paris	96	$93M	31.00%	0.00%	29.70%
8	First Nb in New Bremen	New Bremen	95	$433M	27.24%	0.26%	63.25%
9	JPMorgan Chase Bank NA	Columbus	95	$3.5T	16.37%	0.78%	32.07%
10	First Nb of Sycamore	Sycamore	95	$215M	15.22%	0.04%	36.58%
11	First Nb of Blanchester	Blanchester	94	$77M	22.06%	0.13%	33.10%
12	Citizens Nb of Woodsfield	Woodsfield	94	$143M	21.84%	0.10%	54.72%
13	Andover Bank	Andover	93	$558M	22.47%	0.24%	46.54%
14	First Nb of Mcconnelsville	Mcconnelsville	93	$194M	16.15%	0.62%	35.57%
15	Unified Bank	Martins Ferry	93	$818M	13.26%	0.16%	33.92%
16	Old Fort Banking Co	Old Fort	92	$821M	14.13%	0.00%	42.91%
17	Union Bank Co	Columbus Grove	92	$1.1B	15.51%	0.32%	29.05%
18	Croghan Colonial Bank	Fremont	92	$1.1B	13.92%	0.17%	28.87%
19	First Federal Bank of Ohio	Galion	92	$272M	32.12%	0.04%	51.55%
20	Community First Bank NA	Forest	92	$57M	19.48%	0.02%	44.10%
21	Minster Bank	Minster	92	$734M	17.66%	1.01%	47.86%
22	First Nb of Germantown	Germantown	91	$90M	16.19%	0.08%	26.95%
23	Killbuck Savings Bank Co	Killbuck	90	$850M	12.72%	0.06%	34.31%
24	Fidelity Fs&la of Delaware	Delaware	90	$128M	33.88%	0.23%	36.44%
25	Coml&Svg Bk Millersburg Oh	Millersburg	90	$1.2B	15.14%	0.93%	34.28%
26	Union Banking Co	West Mansfield	88	$52M	35.73%	0.89%	73.66%
27	First Mutual Bank FSB	Belpre	88	$139M	17.00%	0.73%	43.13%
28	Fifth Third Bank NA	Cincinnati	88	$212.5B	12.81%	0.66%	34.61%
29	Richwood Banking Co	Richwood	87	$1.2B	12.74%	0.15%	27.36%
30	Savings Bank	Circleville	87	$550M	14.58%	0.26%	25.73%
31	United Midwest Sb NA	Degraff	87	$488M	19.44%	1.79%	31.24%
32	First Nb of Waverly	Waverly	87	$229M	16.44%	0.77%	48.68%
33	Twin Valley Bank	West Alexandria	86	$129M	12.65%	0.27%	28.51%
34	Buckeye State Bank	Powell	86	$467M	12.08%	0.13%	35.10%
35	U S Bank National Assn	Cincinnati	86	$664.9B	13.38%	1.11%	34.02%
36	Portage Community Bank	Ravenna	85	$510M	14.59%	0.37%	23.07%
37	Pataskala Banking Co	Pataskala	85	$40M	16.00%	1.56%	30.05%
38	Osgood Bank	Osgood	84	$470M	11.14%	0.20%	29.61%
39	North Side Bank&Trust Co	Cincinnati	84	$996M	12.10%	0.03%	25.69%
40	Keybank National Assn	Cleveland	83	$185.0B	12.59%	0.89%	33.68%
41	Farmers Nb of Canfield	Canfield	83	$5.1B	11.61%	0.40%	27.60%
42	First Fs&la of Lorain	Lorain	82	$521M	24.74%	0.93%	27.19%
43	Liberty Savings Bank FSB	Wilmington	82	$1.2B	16.91%	1.60%	27.70%
44	Buckeye Community Bank	Elyria	82	$222M	16.57%	0.03%	18.00%
45	Consumers National Bank	Minerva	81	$1.1B	11.07%	0.11%	26.33%
46	First Federal Cmty Bank NA	Dover	81	$786M	12.42%	0.12%	19.08%
47	Metamora State Bank	Metamora	80	$97M	12.71%	0.00%	21.89%
48	Woodsfield Savings Bank	Woodsfield	80	$110M	14.32%	1.25%	27.29%
49	Kingston National Bank	Kingston	80	$553M	12.72%	0.10%	22.66%

For Depositors at A-Graded Banks

FDIC insurance — not the bank's grade — guarantees deposits up to $250,000 per depositor, per insured bank, per ownership category. Verify your bank's status and your specific coverage at FDIC.gov. The Bank Health Score and grade describe regulatory cushion in relative terms; insurance describes guaranteed protection.

For combined balances above $250,000 at a single bank, the FDIC's Electronic Deposit Insurance Estimator (EDIE) calculates exactly which dollars are insured. Account titling — joint, individual, retirement, payable-on-death — affects coverage. Federal regulators including the OCC publish the rules; FDIC.gov is the authoritative consumer source.

How These Grades Are Calculated

Every bank 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 0–100 composite maps to A (80+), B (65–79), C (50–64), D (35–49), and F (under 35). Data flows from the FDIC BankFind API and the FFIEC Call Report archive. Read the full methodology.

Frequently Asked Questions

What does a A grade mean for a bank?

How many A-graded banks are in Ohio?

What does this tier look like financially?

Across 49 A-graded banks in Ohio, the average Tier 1 capital ratio is 30.58% and the average nonperforming-loan ratio is 0.40%. Combined assets in this cohort total $4.6T. These numbers come straight from the most recent quarterly FDIC Call Report.

Are deposits at A-graded banks still FDIC-insured?

Where does this data come from?

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 FDIC and FFIEC data is U.S. government public domain.

All banks in Ohio →All grade A banks nationwide →Healthiest Banks →Methodology →

Sources: FDIC BankFind API ( banks.data.fdic.gov); FFIEC Call Reports ( cdr.ffiec.gov/public); OCC ( occ.gov). Public domain.

Last updated 2026-04-06 · 49 A-graded banks in Ohio. Informational only; not investment advice. Verify FDIC insurance directly at FDIC.gov.