First Federal Community Bank of Bucyrus
First Federal Community Bank of Bucyrus is an FDIC-insured savings and loan association headquartered in Bucyrus, OH, supervised by the OCC, with $373.8M in total assets at Q2 2026, up 11.1% from Q2 2025, the 65th largest of 154 banks headquartered in Ohio. It was established in 1887 and holds FDIC certificate 29705. Its CET1 capital ratio was 9.77% at Q2 2026, above the 7% level required once the capital conservation buffer is included.
Also written as FFCB of Bucyrus
BankRegReports is independent of First Federal Community Bank of Bucyrus and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
- Charter
- Savings and loan association
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 29705
- Headquarters
- Bucyrus, OH
- Established
- 1887
- Total assets, Q2 2026
- $373.8M
- Assets vs Q2 2025
- +11.1%
- CET1 ratio, Q2 2026
- 9.77%
- Domestic offices
- 6 · First Federal Community Bank of Bucyrus branches FDIC institution directory, current count
- Routing number
- 241270233
- Safety and soundness
- Is First Federal Community Bank of Bucyrus safe?
- Latest call report
- Q2 2026, FFIEC 051 · First Federal Community Bank of Bucyrus Q3 2026 call report, filed October 28, 2026 (preliminary)
- Holding company
- COMMUNITY INVESTORS BANCORP, INC
- Asset rank in state
- 65th of 154 in Ohio
First Federal Community Bank of Bucyrus operates with a thinner capital cushion than most banks of its size. It reported $374 million in assets at June 30, 2026, up 11.1% from a year earlier. It holds common equity equal to 9.77% of its risk-weighted assets, lower than about 9 in 10 of the 2,627 banks with $100 million to $1 billion in assets (median 15.11%). It also pays an average of 2.54% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%). It has also been growing, with assets up 11.1% in a year.
Net income for the quarter rose 30% from a year earlier, to $1.1 million. Over the same year, loans grew 12.8% and deposits grew 7.7%.
As of June 30, 2026, First Federal Community Bank of Bucyrus reported a CET1 capital ratio of 9.77%, a return on assets of 1.21%, a nonperforming-loan ratio of 0.16% and a Texas ratio of 3.64%. The figures come from its call report filed with the FFIEC.
Of the 154 banks headquartered in Ohio, First Federal Community Bank of Bucyrus is the 65th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 4.9% to $373.8M, loans rose 5.5% and deposits rose 1.3%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 42.9% of total loans, followed by commercial and industrial loans at 14.1%. Its 6 offices in the FDIC Summary of Deposits are in 4 cities in OH; its Bucyrus 3 offices book 76% of its branch deposits. By the capital ratios in its Q2 2026 call report, First Federal Community Bank of Bucyrus meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 119 S Sandusky Ave, Bucyrus, OH 44820
- County
- Crawford
- Metro Area
- Bucyrus, OH
- Charter
- State-chartered stock savings and loan association, FDIC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- —
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1887
- Former names
- First Federal Savings and Loan Association of Bucyrus (1995-2001)
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 70
- Domestic deposits
- $290.4M
- Allowance for credit losses
- $3.1M
- Net charge-offs (YTD)
- $0
- Average total assets
- $354.9M
- Average total loans
- $298.3M
- Average interest-bearing deposits
- $245.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 29705
- Fed RSSD
- 346379
- SEC CIK
- 930277 → filed by COMMUNITY INVESTORS BANCORP, INC
- Website
- www.ffcb.com →
- Parent Holding Company
- COMMUNITY INVESTORS BANCORP, INC (RSSD 3827918)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. After a merger that grows assets 25% or more, the UBPR averages balances from the merger date on while the income stays year to date, so a YTD ratio can differ widely from the ratio of either quarter. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, First Federal Community Bank of Bucyrus's total assets ran between $288.0M (Q3 2023) and $373.8M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$373.8M total assets against $336.5M; $345.5M total liabilities against $311.3M.
$313.8M net loans and leases against $278.4M; $290.4M total deposits against $269.6M.
$20.5M securities against $22.5M; $16.4M cash and balances due against $14.9M.
$5.5M total interest income against $4.9M; $2.0M total interest expense against $1.9M.
$3.6M net interest income against $3.0M.
$623K total noninterest income against $811K; $2.8M total noninterest expense against $2.8M.
$214K provision for credit losses against $38K.
$1.1M net income against $831K.
1.21% return on assets against 1.04%; 4.33% net interest margin against 3.94%.
9.77% CET1 capital ratio against 10.11%; 8.10% tier 1 leverage ratio against 8.06%.
Inside the full First Federal Community Bank of Bucyrus terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
First Federal Community Bank of Bucyrus rankings
Its closest position to the top of a national ranking is 1,674 of 3,640, for Texas Ratio; its furthest is 2,112 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.52% (Q3 2024) to 1.39% (Q4 2025) and its net interest margin ran from 3.50% (Q3 2024) to 4.33% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.77% | 1.21% | 0.16% | 3.64% | 4.33% |
| Q1 2026 | 9.98% | 0.81% | 0.09% | 3.02% | 3.82% |
| Q4 2025 | 10.59% | 1.39% | 0.08% | 2.93% | 4.08% |
| Q3 2025 | 9.96% | 1.01% | 0.11% | 3.34% | 4.09% |
| Q2 2025 | 10.11% | 1.04% | 0.24% | 4.73% | 3.94% |
| Q1 2025 | 10.30% | 0.58% | 0.66% | 6.71% | 3.57% |
| Q4 2024 | 10.52% | 0.73% | 0.70% | 6.98% | 3.50% |
| Q3 2024 | 10.66% | 0.52% | 0.59% | 5.98% | 3.50% |
Swipe the table sideways to see every column.
Branch Network
View all 6 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First Federal Community Bank of Bucyrus (main office) | Bucyrus , OH | 44820 | $193.6M |
| West Mansfield Branch | New Washington , OH | 44854 | $26.3M |
| First Federal Community Bank | Crestline , OH | 44827 | $25.4M |
| Marysville Branch | Marysville , OH | 43040 | $18.9M |
| 2020 E. Mansfied St. | Bucyrus , OH | 44820 | $17.9M |
| 875 S Sandusky Ave Branch | Bucyrus , OH | 44820 | $8.3M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 2 against the institution (OCC (former OTS)); 1 against individuals associated with it
- April 24, 2006, OCC (former OTS): Civil Money Penalty: First Federal Community Bank of Bucyrus
- August 4, 2000, OCC (former OTS): Supervisory Agreement: First Federal Savings and Loan Assocication of Bucyrus
- Period: Most recent institution action April 24, 2006. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in OH, rank 82 of 184 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 173 applications, 163 loans originated, $33.0M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $30K approved, $30K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2010 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows First Federal Community Bank of Bucyrus’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about First Federal Community Bank of Bucyrus
What are First Federal Community Bank of Bucyrus's total assets?
As of the Q2 2026 filing, First Federal Community Bank of Bucyrus reported total assets of $373.8 million in its FFIEC call report.
Where is First Federal Community Bank of Bucyrus headquartered?
It is headquartered in Bucyrus, OH, United States.
When was First Federal Community Bank of Bucyrus founded?
It was established in 1887, per the FDIC institution directory.
Is First Federal Community Bank of Bucyrus FDIC-insured?
Yes. It is an FDIC-insured savings and loan association (FDIC Certificate #29705). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Federal Community Bank of Bucyrus?
First Federal Community Bank of Bucyrus's primary federal regulator is the OCC.
What is First Federal Community Bank of Bucyrus's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 9.77% in its Q2 2026 call report, above the 7% level required once the capital conservation buffer is included.
How many branches does First Federal Community Bank of Bucyrus operate?
It operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First Federal Community Bank of Bucyrus's Texas Ratio?
Its Texas Ratio is 3.64% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was First Federal Community Bank of Bucyrus previously called?
The charter now named First Federal Community Bank of Bucyrus has also operated as First Federal Savings and Loan Association of Bucyrus (1995-2001), per FDIC structure-change records.
Go deeper on First Federal Community Bank of Bucyrus.
Get an email when First Federal Community Bank of Bucyrus files its next call report, and benchmark it against any peer you choose.
Unlock First Federal Community Bank of Bucyrus, freeFree account