First Federal Community Bank, N.A.: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 571.31 percentage points higher than in Q1 2026, at 1252.16%. On return on assets, First Federal Community Bank, N.A. ranks 12th highest among the 156 banks headquartered in Ohio, at 1.96% (Q2 2026). Against a median of 1.25% for banks in the $100M-1B asset tier, First Federal Community Bank, N.A. reported 1.96% on return on assets in Q2 2026, 0.71 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.74% |
| Tier 1 risk-based capital ratio | 12.74% |
| Total risk-based capital ratio | 13.82% |
| Tier 1 leverage ratio | 9.40% |
| Equity capital to assets | 8.75% |
| Tangible equity to tangible assets | 8.70% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.08% |
| Non-performing assets ratio | 0.06% |
| Net charge-off ratio | -0.00% |
| Texas ratio | 0.64% |
| Allowance for credit losses to loans | 0.99% |
| Reserve coverage of non-performing loans | 1252.16% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.96% |
| Return on equity | 22.25% |
| Net interest margin | 3.99% |
| Efficiency ratio | 41.57% |
| Yield on earning assets | 5.88% |
| Cost of funds | 2.01% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 84.86% |
| Core deposits to total deposits | 88.46% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 90.21% |
| Securities to assets | 6.48% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 11.83% | 11.83% | 12.92% | 8.70% | 1.51% |
| Q4 2023 | 12.15% | 12.15% | 13.24% | 8.72% | 1.51% |
| Q1 2024 | 12.10% | 12.10% | 13.17% | 8.96% | 1.34% |
| Q2 2024 | 12.42% | 12.42% | 13.48% | 8.92% | 1.56% |
| Q3 2024 | 12.38% | 12.38% | 13.45% | 9.07% | 1.43% |
| Q4 2024 | 12.68% | 12.68% | 13.75% | 8.90% | 1.53% |
| Q1 2025 | 12.59% | 12.59% | 13.65% | 9.15% | 1.46% |
| Q2 2025 | 12.45% | 12.45% | 13.52% | 9.37% | 1.65% |
| Q3 2025 | 12.34% | 12.34% | 13.40% | 9.54% | 1.74% |
| Q4 2025 | 12.43% | 12.43% | 13.50% | 9.52% | 1.80% |
| Q1 2026 | 12.38% | 12.38% | 13.45% | 9.65% | 1.78% |
| Q2 2026 | 12.74% | 12.74% | 13.82% | 9.40% | 1.96% |
First Federal Community Bank, N.A. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Federal Community Bank, N.A., freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First Federal Community Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29787) · FFIEC NIC profile (RSSD 540775)