First Federal Community Bank of Bucyrus: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Loans and leases to core deposits: 5.00 percentage points higher than in Q1 2026, at 117.80%. Among 156 Ohio banks, First Federal Community Bank of Bucyrus sits 9th from the top on loan-to-deposit ratio, 109.09% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. First Federal Community Bank of Bucyrus sits 28.26 points higher, at 109.09% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $16.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $36.9M |
| Fed funds sold and reverse repos | $339K |
| Fed funds sold and reverse repos to assets | 0.09% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $52.7M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 14.09% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 109.09% |
| Net loans and leases to deposits | 108.02% |
| Loans and leases to core deposits | 117.80% |
| Core deposits to total deposits | 90.69% |
| Brokered deposits to total deposits | 1.92% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 106.57% | 95.26% | $0 | $44.1M |
| Q4 2023 | 109.42% | 93.68% | $0 | $48.7M |
| Q1 2024 | 110.62% | 92.04% | $0 | $49.0M |
| Q2 2024 | 110.79% | 90.98% | $0 | $49.5M |
| Q3 2024 | 105.54% | 92.18% | $0 | $44.3M |
| Q4 2024 | 108.66% | 93.10% | $1.4M | $48.9M |
| Q1 2025 | 104.74% | 90.84% | $0 | $39.7M |
| Q2 2025 | 104.22% | 92.57% | $0 | $39.4M |
| Q3 2025 | 104.01% | 90.20% | $0 | $37.3M |
| Q4 2025 | 105.07% | 90.66% | $0 | $43.3M |
| Q1 2026 | 104.75% | 89.17% | $0 | $40.3M |
| Q2 2026 | 109.09% | 90.69% | $0 | $52.7M |
First Federal Community Bank of Bucyrus liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First Federal Community Bank of Bucyrus, freeSource: Call Report Schedules RC and RC-M, 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)