First Federal Community Bank of Bucyrus: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Compared with Q1 2026, Risk-weighted assets rose 5.3% in Q2 2026 to $293.7M, the biggest move on this page. On CET1 ratio, First Federal Community Bank of Bucyrus is 2nd from the bottom among 84 Ohio banks, 9.77% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. First Federal Community Bank of Bucyrus sits 5.30 points lower, at 9.77% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 9.77% |
| Tier 1 risk-based capital ratio | 9.77% |
| Total risk-based capital ratio | 10.89% |
| Tier 1 leverage ratio | 8.10% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $28.7M |
| Tier 1 capital | $28.7M |
| Total risk-based capital | $32.0M |
| Total equity capital | $28.3M |
| Risk-weighted assets | $293.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.58% |
| Tangible equity to tangible assets | 7.48% |
| Equity capital to average assets | 7.99% |
| Internal capital growth rate | 12.70% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $3.4M |
| Common stock surplus | $7.5M |
| Retained earnings | $18.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$771K |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 10.08% | 10.08% | 11.11% | 8.21% | $228.1M |
| Q4 2023 | 10.49% | 10.49% | 11.54% | 8.01% | $221.0M |
| Q1 2024 | 10.53% | 10.53% | 11.59% | 7.82% | $220.3M |
| Q2 2024 | 10.10% | 10.10% | 11.08% | 7.97% | $242.4M |
| Q3 2024 | 10.66% | 10.66% | 11.70% | 7.80% | $231.8M |
| Q4 2024 | 10.52% | 10.52% | 11.59% | 8.65% | $237.2M |
| Q1 2025 | 10.30% | 10.30% | 11.33% | 8.01% | $244.6M |
| Q2 2025 | 10.11% | 10.11% | 11.14% | 8.06% | $255.3M |
| Q3 2025 | 9.96% | 9.96% | 11.00% | 8.03% | $265.2M |
| Q4 2025 | 10.59% | 10.59% | 11.74% | 8.02% | $258.1M |
| Q1 2026 | 9.98% | 9.98% | 11.08% | 8.01% | $278.8M |
| Q2 2026 | 9.77% | 9.77% | 10.89% | 8.10% | $293.7M |
First Federal Community Bank of Bucyrus regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First Federal Community Bank of Bucyrus, freeSource: Call Report Schedule RC-R, 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 of Bucyrus profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29705) · FFIEC NIC profile (RSSD 346379)