A housing-finance origin and several charter changes
This profile covers First Federal Community Bank (Dover, Ohio). [1]
First Federal Community Bank, National Association traces its history to the Dover Building & Loan Company, incorporated in 1898. It became a federally chartered savings-and-loan association in 1937 and a federal savings bank in 1983. The current name was adopted in 2001, followed by conversion to a national-bank charter in February 2012. This sequence explains why a bank with “Federal” in its longstanding brand now operates under a national commercial-bank charter. [3]
FFD Financial Corporation was formed in 1996 and acquired all of the bank’s shares when the institution converted from mutual to stock ownership that April. It remains the bank’s parent. Holding-company shares and insured bank deposits represent different interests, and the two entities have different reporting boundaries. This profile uses bank-level regulatory financials rather than presenting FFD’s consolidated numbers as those of the bank alone. [3]
Dover headquarters and an expanding service area
FDIC certificate 29787 identifies the insured bank headquartered at 141 West Ohio Avenue in Dover. The bank’s public CRA page describes its lending area as all of Tuscarawas and Holmes counties plus portions of Stark County following its Canton expansion. Loans outside that area may also be considered; an assessment-area boundary is not a claim that every customer must live within it. [1] [4]
The branch record shows an office opened at 5330 Fulton Drive NW in Canton in 2025 and a closure at 321 North Wooster Avenue in Dover in 2024. The November 2025 corporate announcement described eight offices across Dover, New Philadelphia, Uhrichsville, Sugarcreek, Berlin, Mount Hope and Canton. These are dated changes in the network, rather than evidence of an acquisition of another bank. [4] [6]
Mortgages and business lending share the platform
The published credit menu includes single-family and multifamily real estate, construction and lot loans, commercial property, secured and unsecured business credit, and home-equity lines. The bank also lists auto, boat and personal lending. Its present commercial menu separates term loans, revolving business lines, commercial real estate and equipment finance, matching different uses of borrowing to different repayment structures. [4] [8]
The savings-and-loan heritage remains visible in home finance, but it should not be used to characterize the entire modern business. The OCC’s January 2024 review identified residential real estate and small-business loans as primary products during its evaluation period. Those findings describe the examined period, while the current menu shows what the bank markets now. Neither source alone provides a current loan breakdown by borrower industry. [7] [8]
Deposits, payments and day-to-day business services
First Federal markets personal and business checking, money-market accounts and CDs, alongside personal savings, IRAs and health savings accounts. These products accommodate transaction balances and longer-term savings with different access arrangements. Digital services include online bill payment, mobile deposits, electronic statements and account alerts. The range illustrates a full-service community-bank model, although account offerings do not establish the composition or persistence of its deposits. [8]
For businesses, cash management includes remote deposit capture, ACH and payroll services, card processing and Positive Pay. Remote capture uses a desk scanner and internet connection to submit checks from a business location; ACH supports scheduled electronic disbursements. These services connect the institution to collections, payroll and supplier payments rather than just the occasional financing transaction. Reliable processing and clear payment-approval controls are important operational requirements. [5]
The June 2026 reporting snapshot
At June 30, 2026, the bank reported $994.6 million in assets, $897.2 million in deposits, $753.8 million in net loans and leases, and $87.1 million in equity. Net income for January through June was $8.7 million. The figures are from the FDIC bank-level dataset and converted from thousands of dollars; the income period is the calendar first half, not a statement of the parent company’s fiscal-year earnings. [2]
Real-estate-secured loans were $692.9 million, with commercial-and-industrial loans of $62.8 million. Nonaccrual loans were $589,000. The substantial property-secured balance makes borrower repayment and collateral relevant, but a property-secured category includes several different uses and cannot be treated as a single commercial-property exposure. The small nonaccrual balance at one date is not a forecast of future losses. [2]
Leadership transition and community-credit evidence
An announcement published November 12, 2025 said Matthew A. Miller had been elected president and chief executive following the October 23 annual meeting, succeeding Trent Troyer. Miller joined the bank in 2009 and had served as president since October 2024. The same announcement named promotions in commercial lending, mortgage administration and other functions, documenting a leadership transition within the existing organization. [6]
The OCC rated First Federal Satisfactory overall in its January 8, 2024 CRA evaluation, with the same rating for lending and community development. Its lending analysis covered 2020–2022 and found a substantial majority of evaluated loans inside the assessment area. CRA findings concern community credit needs and expressly do not assess financial condition. The later Canton branch opening is therefore a separate development, not something the earlier examination already evaluated. [7]
Sources
- FDIC BankFind: legal institution and certificateOfficial sourceBack to text: ↑1↑2
- FDIC bank-level financials, June 30, 2026; income January–JuneOfficial sourceBack to text: ↑1↑2
- First Federal ownership and charter historySourceBack to text: ↑1↑2
- First Federal public CRA file, branch changes and credit productsSourceBack to text: ↑1↑2↑3
- First Federal cash-management servicesSourceBack to text: ↑
- First Federal CEO and officer announcement, November 12, 2025SourceBack to text: ↑1↑2
- OCC CRA evaluation, January 8, 2024Source · PDFBack to text: ↑1↑2
- First Federal official website and product menuSourceBack to text: ↑1↑2↑3