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 First Bank of Central Ohio Rates & Review May 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: May 5, 2026
First Bank of Central Ohio's Certificates of Deposit/Individual Retirement Accounts2 6-Month rates are at 4.05%, Certificates of Deposit/Individual Retirement Accounts2 12-Month rates are at 4.00%, Certificates of Deposit/Individual Retirement Accounts2 18-Month rates are at 3.25%, Certificates of Deposit/Individual Retirement Accounts2 24-Month rates are at 3.00%, Certificates of Deposit/Individual Retirement Accounts2 36-Month rates are at 0.30%. First Bank of Central Ohio's savings rates are at 0.05%. First Bank of Central Ohio's money market rates are at 2.60%. MonitorBankRates evaluates the financial stability of First Bank of Central Ohio with a 5.0 Star Rating and an A+ Overall Health Grade. Rates were last updated on 05/05/2026. First Bank of Central Ohio money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at First Bank of Central Ohio? Share your experience about First Bank of Central Ohio by leaving a review below, or read customer reviews before you decide to use First Bank of Central Ohio. 
First Bank of Central Ohio CD Rates
First Bank of Central Ohio Savings Rates
First Bank of Central Ohio Money Market Rates
First Bank of Central Ohio Checking Rates
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for First Bank of Central Ohio is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions. Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health. Rate Data Aggregation: We gather First Bank of Central Ohio rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with First Bank of Central Ohio's official website for the most current offers and terms.
Bank Profile & Overview
Institution Name
First Bank of Central Ohio
FDIC Certificate #
59249
Address
6700 N High St,
Worthington, OH 43085 · Franklin
Website
https://www.fbcentralohio.com/
Established
04/12/2021
FDIC Insurance Date
04/12/2021
Domestic Offices
2
Total Branches
2
Regulator
FDIC
FDIC Insured
✓ Yes — Up to $250,000
Financial Health & AssetsA+
Overall Health Grade
Score: 100/100
5.0
Exceptional
Out of 5.0 Stars
0.00%
Texas Ratio
Nat'l avg: 5.85%
Return on Assets (ROA)
-1.6889%
Return on Equity (ROE)
-8.1000%
Non-Performing Loans (NPL)
0.00%
Total Assets
$253,319,000
Total Deposits
$224,257,000
Equity Capital
$26,487,000
Net Income
$-762,000
Headquarters
Worthington
Total Offices
2
Source: FDIC | Last Updated 12/31/2025
Customer Reviews
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Frequently Asked Questions About First Bank of Central OhioHow many branches does First Bank of Central Ohio operate?First Bank of Central Ohio currently maintains approximately 2 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is there a first-time homebuyer program?Currently, First Bank of Central Ohio does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, First Bank of Central Ohio provides members with tools to manage their accounts and build a solid financial history. Does First Bank of Central Ohio offer online and mobile banking?Most modern institutions like First Bank of Central Ohio provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.fbcentralohio.com/. Current First Bank of Central Ohio Rates
Retrieved from our database of financial products. Rates subject to change.
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