First Bank Of Ohio

First Bank of Ohio is a privately held FDIC-insured community bank headquartered in Tiffin, Ohio, operating five branch offices across Ohio serving individual consumers and local small businesses with checking, savings, CDs, IRAs, vehicle loans, and mortgages.

Company typePrivate
Founded1873
HeadquartersTiffin, United States
Headcount1–10
GTM typeB2C
OfferingServices

What First Bank Of Ohio does

First Bank of Ohio is an FDIC-insured community bank headquartered in Tiffin, Ohio, operating five branch offices across Ohio in Tiffin, Bloomville, Marietta, Belpre, and Mt. Vernon. Originally established in 1873 as The Tiffin Savings Bank and renamed in 1987, the bank expanded to its current five-branch footprint through a 1999 merger with First Bank of Marietta. The bank serves individual consumers and local small businesses through a traditional retail banking model, offering tiered checking accounts, savings products, certificates of deposit (CDs), individual retirement accounts (IRAs), vehicle loans, and mortgages.

The bank's technology stack is built entirely on third-party white-label infrastructure. Digital banking is delivered through Apiture's banking-as-a-service platform (fbotoh.banking.apiture.com), providing 24/7 account management, bill payment, eStatements with 24-month history, and secure messaging. Loan payments are processed through ThePayPlace.com, personal checks are reordered via Deluxe's OrderPoint platform, and vehicle loan applications are originated through the LoansPQ platform. The bank has no proprietary technology, no mobile app, no API, and no disclosed AI or data-science capabilities.

First Bank of Ohio's revenue model follows standard community banking mechanics: primary revenue is net interest income from the loan portfolio (notably vehicle financing), supplemented by non-interest income from deposit-account service fees, savings/CD early withdrawal penalties, and ancillary fees. Pricing is tiered by product and varies between the Seneca County branches (Tiffin, Bloomville) and the Washington/Knox County branches (Marietta, Belpre, Mt. Vernon). The go-to-market motion is relationship-based community banking with local decision-making authority, distributed across the five physical branches and supplemented by self-service digital channels.

First Bank Of Ohio firmographics

Firmographics

Name: First Bank Of Ohio
Legal name: First Bank of Ohio
Website: https://firstbankofohio.com
Company type: Private
Founded year: 1873
Operating status: Operating
Headcount range: 1–10 employees
Short description: First Bank of Ohio is a privately held FDIC-insured community bank headquartered in Tiffin, Ohio, operating five branch offices across Ohio serving individual consumers and local small businesses with checking, savings, CDs, IRAs, vehicle loans, and mortgages.
Ownership category
akta.pro rank

First Bank Of Ohio industry classification

Industry

Product category: Community Banking
NAICS: Commercial Banking (52211), Savings Institutions and Other Depository Credit Intermediation (522180)
SIC: State Commercial Banks (6022), Savings Institutions, Not Federally Chartered (6036)
akta.pro primary industry: Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)
akta.pro secondary industries: Branch & In-Person Banking (Teller/ATM Networks) (FSABAAAE), Retail Lending (Personal Loans, Auto, Credit Lines) (FSABAAAB)

Keywords

Community banking
Retail banking
Deposit accounts
Vehicle loans
Savings accounts

Where First Bank Of Ohio is headquartered

Location

Headquarters

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

Offices5 records

Markets served

First Bank Of Ohio business model

Business model

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

Revenue model

Interest Income: The bank generates revenue primarily through interest earned on loan products including vehicle loans, mortgages, and other lending products. As a traditional community bank, interest income from the loan portfolio constitutes a core revenue stream.
Checking Account Fees: Monthly service fees charged on checking accounts when minimum balance requirements are not met. Various account tiers with different fee structures based on location and account type.
Savings Account Fees and CD Penalties: Fees for falling below minimum balance requirements on savings accounts. Early withdrawal penalties on Certificates of Deposit and IRA accounts.

Pricing tiers

Model	Billing	Price
Subscription	Monthly	Regular Checking - $50 to open, $600 minimum balance
Subscription	Monthly	FB Limited Checking - $50 to open, flat fee structure
Subscription	Monthly	Interest Checking - $1,000 to open, $1,000 minimum balance
Subscription	Monthly	Interest Checking Plus - $2,500 to open, $1,000 minimum balance
Subscription	Monthly	First Pak Checking (Marietta/Belpre/Mt. Vernon) - $100 to open, $500 minimum
Subscription	Monthly	First Pak Plus - $100 to open, free for customers 55+
Subscription	Monthly	Interest Checking Tier 2 (Marietta/Belpre/Mt. Vernon) - $1,500 to open
Subscription	Monthly	Interest Checking Tier 3 (Marietta/Belpre/Mt. Vernon) - $2,500 to open
Subscription	Quarterly	Passbook & Statement Savings - $25 to open, $15 minimum balance
One time/ perpetual license	Pay-as-you-go	Certificates of Deposit and IRAs - Flexible terms

Go-to-market motion1 record

Distribution channels2 records

Marketing channels3 records

First Bank Of Ohio product offering

Product offering

Core offering

First Bank of Ohio is a community bank offering traditional deposit products (checking accounts, savings accounts, money market accounts, CDs, and IRAs) and consumer lending (vehicle loans) to individuals and small businesses. The bank operates five physical branches across Ohio and supplements in-person service with a digital banking platform powered by Apiture, providing online account management, bill payment, and eStatements.

Product overview

First Bank of Ohio is a community bank offering a unified suite of traditional banking products centered around its Online Banking platform. The core offering includes checking accounts (Regular Checking, FB Limited Checking, Interest Checking, Interest Checking Plus, and First Pak Plus), savings products (Passbook & Statement, Christmas Club, Money Market, CDs, and IRAs), and vehicle loans. The Online Banking platform serves as the digital hub integrating Bill Payment and eStatements services, while a separate suite of Financial Calculators and security education resources round out the customer-facing digital experience. The bank operates physical branch locations in Tiffin, Bloomville, Marietta, Belpre, and Mt. Vernon, Ohio.

Differentiator

Problem solved

Functional benefit

Products and services

Online Banking

Companies that use First Bank Of Ohio

Customer profile

Segments2 records

Ideal customer profiles2 records

First Bank Of Ohio technology and API

Technology

Technology focussed No

API detail

Has API: No
API docs
API detail

Core technology

AI maturity

App detail

Integration3 records

First Bank Of Ohio partnerships and signals

Strategic signal

Scale indicators2 records

Recent moves8 records

Expansion highlights4 records

First Bank Of Ohio competitors and assessment

Company assessment

Direct peers

Park National Corporation: Largest Ohio-headquartered community banking holding company operating through 11 community bank divisions across Ohio and adjacent states with retail banking, commercial lending, and wealth management — directly comparable as an Ohio-rooted multi-branch community bank serving similar consumer and small-business segments.
Civista Bank: Ohio-based community bank with branches across northern and central Ohio offering checking, savings, lending, and digital banking to consumers and small businesses — directly comparable in product mix, branch-based distribution, and community-bank positioning.
First Financial Bancorp: Ohio and Indiana-headquartered community bank providing deposit accounts, consumer and commercial lending, and treasury services — closely comparable mid-sized Ohio community bank with similar retail deposit franchise and small-business lending focus.
Cortland Savings and Banking Company: Small Ohio community bank headquartered in Cortland offering consumer checking, savings, and loan products — directly comparable as a similarly small, branch-based Ohio community bank serving retail and small-business customers.
United Bank (United Bankshares): Community-focused regional bank serving Ohio, West Virginia, and the Mid-Atlantic with consumer deposit products, mortgage and consumer lending, and small-business banking — directly comparable community bank with overlapping Ohio presence and similar branch-based retail model.
Heartland Bank: Ohio-based community bank with multiple central Ohio branches providing personal checking, savings, mortgage, and small-business lending — directly comparable small Ohio community bank with similar product mix and relationship-driven model.
LCNB Corporation: Ohio-headquartered community bank holding company (Licking County National Bank) operating consumer and commercial banking branches across southwest and central Ohio — directly comparable small-to-mid-sized Ohio community bank with similar deposit and lending franchise.
Consumers National Bank: Small Ohio community bank serving consumers and small businesses with checking, savings, mortgage, and consumer loan products — directly comparable small community bank in Ohio with similar scale, product breadth, and branch-based distribution.

Broad incumbents

Huntington Bancshares: Major regional bank holding company headquartered in Columbus, Ohio with extensive Ohio branch network, consumer and commercial banking, vehicle financing, and digital platforms — broader incumbent competitor overlapping the bank's footprint and consumer deposit/lending products at much larger scale.
Fifth Third Bank: Large regional bank with substantial Ohio presence (Cincinnati-headquartered) offering comprehensive retail and commercial banking — broad incumbent competitor that competes for the same Ohio consumer and small-business deposit and lending relationships.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

First Bank Of Ohio compliance and trust

Trust signal

Compliance2 records

First Bank Of Ohio financial estimates

Financial estimate

Revenue estimate

Valuation estimate

First Bank Of Ohio leadership team

Management profile

Number of profiles

First Bank Of Ohio funding detail

Funding detail

Funding overview

Funding rounds

Investors

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

First Bank Of Ohio 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 Bank Of Ohio

What does First Bank Of Ohio do?

Is First Bank Of Ohio a public or private company?

First Bank Of Ohio is a private company. It is classified as unknown and is currently operating.

When was First Bank Of Ohio founded?

First Bank Of Ohio was founded in 1873. It employs 1 to 10 people.

Where is First Bank Of Ohio based?

First Bank Of Ohio is headquartered in Tiffin, United States, in the North America region.

How does First Bank Of Ohio make money?

Three revenue lines are on record. Interest Income is the primary driver. The others are checking Account Fees and savings Account Fees and CD Penalties.

Who are First Bank Of Ohio's main competitors?

Direct peers on record are Park National Corporation, Civista Bank, First Financial Bancorp, Cortland Savings and Banking Company, United Bank (United Bankshares), Heartland Bank, LCNB Corporation and Consumers National Bank. Broad incumbents are Huntington Bancshares and Fifth Third Bank.

Does First Bank Of Ohio have an API?

No public API is recorded for First Bank Of Ohio.

What industry is First Bank Of Ohio in?

First Bank Of Ohio's product category is Community Banking. Its primary akta.pro industry code is FSABAAAA, Mass-Market Consumer Deposit Banking (Checking/Savings), with a secondary code of FSABAAAE, Branch & In-Person Banking (Teller/ATM Networks). Its NAICS code is 52211 and its SIC code is 6022.