Updated June 2026 · FDIC Call Report Q2 2024

B-Rated Banks in Ohio

51 banks · Average score: 72/100 · Combined assets $254.2B

51 banks in this state currently hold B grades, averaging a composite score of 72/100. 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 14.13% and an NPL ratio of 0.71%, sourced from the most recent FDIC quarterly Call Report.

51 Ohio banks hold a B grade (72/100 average score). B-grade banks sit comfortably above the national median across most factors but lack the cushion of A-grade peers on one or more dimensions.

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 B-grade banks by health score with links to each bank's full profile.

A B CDF

What "B" Means in Practice

B-graded banks in Ohio are healthy mid-tier institutions — composite scores of 65–79. Currently 51 banks fit this category. The typical B-graded bank meets all regulatory thresholds with comfortable margin: solid capital, manageable loan losses, adequate liquidity. Most U.S. banks land in B territory; it's the workhorse middle of the distribution, not a warning sign.

For depositors: B-graded institutions are the broad middle of the U.S. banking system — solidly healthy and well within regulatory norms. FDIC insurance covers deposits up to $250,000 per depositor, per insured bank, per ownership category. No grade-based action needed; verify coverage at FDIC.gov if balances approach the limit.

Tier-Wide Snapshot in Ohio

Banks in this grade tier	51
Combined assets	$254.2B
Average composite score	72/100
Average Tier 1 capital ratio	14.13%
Average NPL ratio	0.71%

All B-Graded Banks in Ohio

#	Bank	City	Score	Assets	Tier 1 Capital	NPL Ratio	Liquidity
1	Hicksville Bank	Hicksville	79	$192M	9.69%	0.00%	32.09%
2	Huntington National Bank	Columbus	79	$195.9B	10.32%	0.72%	28.47%
3	State Bank&Trust Co	Defiance	78	$1.3B	13.98%	0.47%	17.20%
4	Antwerp Exchange Bank Co	Antwerp	77	$151M	13.71%	0.76%	20.68%
5	Home S&L Kenton Oh DBA Hslc	Kenton	77	$216M	18.02%	0.35%	15.32%
6	Home Sb of Wapakoneta	Wapakoneta	77	$39M	13.17%	0.00%	18.72%
7	Wilmington Savings Bank	Wilmington	77	$242M	16.19%	0.82%	20.16%
8	Vinton County National Bank	Mc Arthur	77	$1.4B	10.03%	0.34%	27.29%
9	First Bank of Ohio	Tiffin	77	$313M	29.10%	0.39%	10.09%
10	Versailles Savings&Loan Co	Versailles	76	$57M	21.00%	0.00%	14.02%
11	Citizens Nb of Bluffton	Bluffton	76	$1.0B	10.91%	0.12%	17.37%
12	Monroe Fs&La	Tipp City	75	$147M	13.51%	0.00%	17.59%
13	Equitable Savings&Loan Co	Cadiz	75	$9M	24.29%	1.38%	22.96%
14	First Nb of Pandora	Pandora	75	$264M	10.44%	0.05%	24.67%
15	National Bk Adams Cnty W Uni	West Union	75	$108M	10.51%	2.16%	46.14%
16	Cincinnatus Savings&Loan Co	Cincinnati	74	$137M	18.97%	0.00%	9.31%
17	Home Fs&la of Niles	Niles	74	$150M	14.32%	1.15%	17.95%
18	Signature Bank National Assn	Toledo	74	$1.2B	13.54%	1.46%	19.87%
19	Apple Creek Banking Co	Apple Creek	74	$255M	10.34%	0.00%	20.73%
20	Mercer Savings Bank	Celina	73	$177M	15.93%	0.24%	10.62%
21	Galion Building&Loan Bank	Galion	73	$75M	10.93%	0.36%	21.74%
22	National Coop Bank N A	Hillsboro	73	$3.7B	13.49%	1.68%	21.82%
23	Waterford Bank N A	Toledo	73	$1.8B	10.38%	0.00%	19.78%
24	Merchants National Bank	Hillsboro	73	$1.3B	10.91%	0.36%	21.03%
25	Farmers&Merchants Bank	Caldwell	71	$127M	14.81%	3.77%	27.88%
26	Genoa Banking Co	Genoa	71	$647M	10.49%	0.02%	19.08%
27	Guardian Savings Bank	West Chester	71	$1.2B	12.95%	0.24%	12.04%
28	Home Loan Savings Bank	Coshocton	71	$331M	13.36%	0.17%	6.15%
29	Ohio Valley Bank Co	Gallipolis	71	$1.4B	10.48%	0.50%	20.05%
30	Westfield Bank FSB	Westfield Center	71	$2.0B	11.49%	0.25%	16.02%
31	Riverhills Bank	Milford	71	$316M	11.41%	0.28%	15.68%
32	Farmers Bank&Savings Co	Pomeroy	71	$442M	9.11%	1.28%	29.83%
33	Civista Bank	Sandusky	70	$4.0B	11.59%	0.51%	16.53%
34	Commodore Bank	Somerset	70	$94M	11.80%	2.18%	29.59%
35	New Foundation Savings Bank	Cincinnati	70	$22M	13.59%	0.00%	11.36%
36	First Bank of Central Ohio	Worthington	70	$160M	15.52%	0.00%	5.73%
37	Citizens Nb Mcconnelsville	Mcconnelsville	70	$109M	10.75%	0.80%	23.56%
38	Valley Central Bank	Liberty Township	69	$173M	20.97%	0.09%	6.60%
39	Third Fs&la of Cleveland	Cleveland	69	$17.0B	17.33%	0.23%	6.33%
40	Park National Bank	Newark	69	$9.9B	11.23%	0.95%	14.50%
41	Home National Bank	Racine	69	$84M	11.65%	2.62%	29.02%
42	Fort Jennings State Bank	Fort Jennings	68	$249M	11.60%	0.69%	12.66%
43	Hamler State Bank	Hamler	68	$110M	15.39%	2.60%	18.63%
44	Warsaw Fs&La	Cincinnati	67	$105M	10.71%	0.47%	20.41%
45	Riverside Bank of Dublin	Dublin	67	$184M	12.74%	0.00%	11.03%
46	Somerville Bank	Eaton	67	$263M	9.70%	1.14%	24.51%
47	Cfbank National Assn	Columbus	66	$2.0B	12.23%	0.64%	12.31%
48	First Fs&La	Centerburg	66	$24M	21.12%	3.96%	28.70%
49	First Fs&la of Lakewood	Lakewood	65	$2.9B	11.88%	0.25%	11.20%
50	Peoples First Savings Bank	Mason	65	$101M	13.56%	0.00%	4.03%
51	Adelphi Bank	Columbus	65	$52M	39.60%	0.00%	1.35%

For Depositors at B-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 B grade mean for a bank?

How many B-graded banks are in Ohio?

What does this tier look like financially?

Across 51 B-graded banks in Ohio, the average Tier 1 capital ratio is 14.13% and the average nonperforming-loan ratio is 0.71%. Combined assets in this cohort total $254.2B. These numbers come straight from the most recent quarterly FDIC Call Report.

Are deposits at B-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 B 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 2026-06-29 · 51 B-graded banks in Ohio. Informational only; not investment advice. Verify FDIC insurance directly at FDIC.gov.