First Federal Community Bank

First Federal Community Bank is a Northeast Ohio community bank operating eight branches across Tuscarawas, Holmes, and Stark counties, providing personal checking and savings, consumer and mortgage lending, business banking, and cash management services to individuals, families, and small-to-medium businesses.

Company typePublic
Founded1898
HeadquartersDover, United States
Headcount101–250
GTM typeB2B and B2C
OfferingServices

What First Federal Community Bank does

First Federal Community Bank, National Association is a community bank founded in 1898 as the Dover Building and Loan Company of Canal Dover, Ohio, reorganized as a federally chartered savings and loan in 1937, and converted to a national bank charter under the Office of the Comptroller of the Currency on February 24, 2012. The bank operates eight branch locations across Northeast Ohio (two in Dover, plus New Philadelphia, Uhrichsville, Sugarcreek, Berlin, Mt. Hope, and Canton), serving Tuscarawas, Holmes, and Stark counties. It is a subsidiary of FFD Financial Corporation (OTC: FFDF), a publicly traded holding company.

The bank offers a full suite of personal and business banking products. Personal offerings include five checking tiers (First Fed Cash, First Fed Cash Back, First Choice Checking, Teen Checking, First Fed Bank On Checking), savings vehicles (First Fed Plus Savings, Money Market, CDs, Traditional and Roth IRAs, HSAs), and consumer lending (mortgages, HELOCs, auto loans, boat loans, personal loans, overdraft protection). Business offerings include four checking tiers (Choice, Gold, Platinum, Ultimate 100, Ultimate 150), commercial term loans, lines of credit, commercial real estate loans, and equipment loans. Supporting technology includes an online banking and bill pay platform, a mobile banking app with mobile deposit, Mobile Pay Advantage, Card Valet controls, Credit Sense credit monitoring, and a dedicated mortgage origination portal at mortgage.firstfed.com. Cash management services for businesses include Remote Deposit Capture, ACH/payroll, merchant card processing (Visa and MasterCard), and Positive Pay fraud mitigation; website accessibility is certified to WCAG 2.2 Level AA via AudioEye.

Revenue is generated primarily through traditional interest income from the loan portfolio (mortgages, consumer loans, commercial lending) and noninterest income from deposit account fees, overdraft and wire fees, ATM fees, and merchant card processing interchange. The bank distributes through its branch network, mobile mortgage officers covering Tuscarawas, Stark, Holmes, and Wayne counties, dedicated business banking specialists, and digital self-service channels, and is overseen by a nine-member executive team led by President and CEO Matthew A. Miller (effective October 2025).

First Federal Community Bank firmographics

Firmographics

Name: First Federal Community Bank
Legal name: First Federal Community Bank, National Association
Website: https://firstfed.com
Company type: Public
Founded year: 1898
Operating status: Operating
Headcount range: 101–250 employees
Short description: First Federal Community Bank is a Northeast Ohio community bank operating eight branches across Tuscarawas, Holmes, and Stark counties, providing personal checking and savings, consumer and mortgage lending, business banking, and cash management services to individuals, families, and small-to-medium businesses.
Ownership category
akta.pro rank

First Federal Community Bank industry classification

Industry

NAICS: Commercial Banking (52211), Commercial Banking (522110), Depository Credit Intermediation (5221)
SIC: National Commercial Banks (6021)
akta.pro primary industry: Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)
akta.pro secondary industry: Small Business Banking (Microbusiness/Sole Proprietor) (FSABAAAI)

Keywords

Community banking
Retail banking
Commercial lending
Mortgage lending
Cash management

Where First Federal Community Bank is headquartered

Location

Headquarters

HQ city: Dover
HQ country: United States
HQ region: North America

Offices8 records

Markets served

First Federal Community Bank business model

Business model

GTM type: B2B and B2C
Offering type: Services
Cost components: Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales, Others

Revenue model

Interest Income: Traditional banking interest income from loans including mortgages, personal loans, business loans, and commercial lending. Core revenue from interest rate spreads on deposits and lending portfolios.
Banking Fees and Service Charges: Account service fees, overdraft fees, wire transfer fees, check copy fees, ATM fees, and other banking service charges. Also includes merchant card processing fees from business customers.
Cash Management Services: Business banking services including ACH processing, payroll services, credit card processing, positive pay, and remote deposit capture with associated fees

Pricing tiers

Model	Billing	Price
Subscription	One time/ perpetual license	Student Checking Promotion - $200 bonus for new teen checking accounts

Go-to-market motion1 record

Distribution channels5 records

Marketing channels5 records

First Federal Community Bank product offering

Product offering

Core offering

First Federal Community Bank is a community bank offering deposit products (checking, savings, money market, CDs, IRAs, HSAs), consumer and commercial lending (mortgages, auto, boat, personal, business term loans, lines of credit, commercial real estate, equipment loans), and digital banking services (online, mobile with deposit, bill pay, cash management). It serves individual consumers and small-to-medium businesses across Northeast Ohio through eight physical branches and digital channels.

Product overview

First Federal Community Bank offers a comprehensive suite of traditional banking products and services through a combination of physical branch locations and digital channels. The bank operates as a single-brand, multi-channel banking institution with eight Ohio locations alongside online and mobile banking platforms. The personal banking portfolio centers on checking products (First Fed Cash, First Fed Cash Back, First Choice Checking, Teen Checking, First Fed Bank On Checking) and savings products (First Fed Plus Savings, First Choice Savings, Money Market Accounts, CDs, IRAs, HSAs). Lending offerings span home mortgages, HELOCs, auto loans, boat loans, personal loans, and overdraft protection. Business banking includes multiple checking tiers (Business Choice, Gold, Platinum, Ultimate 100, Ultimate 150) plus commercial lending (term loans, lines of credit, real estate, equipment). Digital services encompass online and mobile banking, mobile deposit, mobile payments, card controls, credit monitoring, e-statements, alerts, and business cash management tools (remote deposit capture, ACH/payroll, credit card processing, positive pay). The bank also provides mortgage origination through a dedicated portal at mortgage.firstfed.com.

Differentiator

Problem solved

Functional benefit

Companies that use First Federal Community Bank

Customer profile

Segments3 records

Ideal customer profiles2 records

First Federal Community Bank technology and API

Technology

API detail

Has API: No
API docs
API detail

Core technology

AI maturity

App detail

Integration3 records

Feature6 records

First Federal Community Bank partnerships and signals

Strategic signal

Scale indicators5 records

Recent moves11 records

Expansion highlights5 records

First Federal Community Bank competitors and assessment

Company assessment

Direct peers

Premier Financial Corp: Ohio-based community bank holding company operating Premier Bank with branches across Ohio, Michigan, Indiana, and Pennsylvania. Directly comparable community banking model serving similar customer segments with traditional deposit, mortgage, and commercial lending products.
S&T Bancorp, Inc. Pennsylvania-based community bank holding company with comparable community banking model operating in Western and Central PA. Similar size and structure with retail, small business, and commercial lending products serving similar-sized markets.
First Financial Bancorp: Cincinnati-based bank holding company operating First Financial Bank with significant Ohio and Indiana presence. Comparable community banking model with personal banking, business banking, mortgage lending, and commercial lending products serving similar small-town and mid-market communities.
Consumers National Bank: Ohio-based community bank headquartered in Minerva, OH serving Carroll, Columbiana, Stark, Tuscarawas, and surrounding counties. Directly overlaps with First Federal's Tuscarawas and Stark County footprint with comparable community banking services and customer segments.
WesBanco, Inc. Multi-state community bank holding company headquartered in Wheeling, WV with significant Ohio presence. Comparable community banking model with branches in similar-sized Ohio/West Virginia/PA markets, serving retail and small business customers with traditional deposit and lending products.
Park National Corporation: Ohio-based community bank holding company operating The Park National Bank with a comparable community banking model across multiple Ohio counties. Similar geographic concentration within Ohio and overlapping customer segments including retail, small business, and commercial lending.
LCNB Corp. Ohio-based community bank holding company operating LCNB National Bank with branches concentrated in Southwest and Central Ohio. Comparable community banking model with retail, small business, and commercial lending in similar-sized Ohio markets.
Farmers National Bank: Ohio-based community bank with locations across multiple Ohio counties. Similar scale and traditional community banking model serving retail and small business customers with deposits, mortgages, and commercial lending in similar small-town Ohio markets.
Civista Bancshares, Inc. Ohio-based community bank holding company operating Civista Bank with branches across Ohio, Indiana, and Kentucky. Comparable community banking model serving similar-sized communities with traditional deposit, mortgage, and commercial lending products.

Broad incumbents

Huntington Bancshares Incorporated: Large regional bank holding company headquartered in Columbus, Ohio with significant presence across the Midwest including Ohio. Much larger than First Federal but competes in the same Ohio communities with overlapping retail, small business, and commercial banking products.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

First Federal Community Bank compliance and trust

Trust signal

Compliance1 record

First Federal Community Bank financial estimates

Financial estimate

Revenue estimate

Valuation estimate

First Federal Community Bank leadership team

Management profile

Number of profiles

Profiles13 records

First Federal Community Bank funding detail

Funding detail

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

First Federal Community Bank M&A and investment

M&A and investment

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about First Federal Community Bank

What does First Federal Community Bank do?

Is First Federal Community Bank a public or private company?

First Federal Community Bank is a public company. It is currently operating.

When was First Federal Community Bank founded?

First Federal Community Bank was founded in 1898. It employs 101 to 250 people.

Where is First Federal Community Bank based?

First Federal Community Bank is headquartered in Dover, United States, in the North America region.

How does First Federal Community Bank make money?

Three revenue lines are on record. Interest Income is the primary driver. The others are banking Fees and Service Charges and cash Management Services.

Who are First Federal Community Bank's main competitors?

Direct peers on record are Premier Financial Corp, S&T Bancorp, Inc., First Financial Bancorp, Consumers National Bank, WesBanco, Inc., Park National Corporation, LCNB Corp., Farmers National Bank and Civista Bancshares, Inc.. Huntington Bancshares Incorporated is listed as a broad incumbent.

Does First Federal Community Bank have an API?

No public API is recorded for First Federal Community Bank.

What industry is First Federal Community Bank in?

Its primary akta.pro industry code is FSABAAAA, Mass-Market Consumer Deposit Banking (Checking/Savings), with a secondary code of FSABAAAI, Small Business Banking (Microbusiness/Sole Proprietor). Its NAICS code is 52211 and its SIC code is 6021.