First Federal Community Bank of Bucyrus: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Loans held for sale climbed 170.7% in Q2 2026, from $2.5M to $6.7M. It was the largest change from Q1 2026 among the key lines here. 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).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $316.9M |
| Net loans and leases | $313.8M |
| Loans held for sale | $6.7M |
| Loans to total assets | 84.76% |
| Loan-to-deposit ratio | 109.09% |
| Net loans to equity capital | 11.07% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 17.71% |
| Multifamily (5+ residential) | 2.88% |
| Commercial and industrial | 14.11% |
| Consumer | 2.87% |
| Credit cards | 0.00% |
| Farm | 6.93% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.06% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 174.68% |
| Construction concentration (Tier 1 capital + allowance) | 86.84% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.81% |
| Interest income on loans | $5.3M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $236.0M | $221.4M | 16.32% | 9.86% | 4.52% |
| Q4 2023 | $244.4M | $223.3M | 16.26% | 10.03% | 4.29% |
| Q1 2024 | $252.8M | $228.6M | 15.41% | 9.84% | 4.44% |
| Q2 2024 | $263.0M | $237.4M | 15.39% | 10.32% | 4.17% |
| Q3 2024 | $264.2M | $250.3M | 14.99% | 10.57% | 4.10% |
| Q4 2024 | $262.7M | $241.7M | 17.52% | 10.69% | 3.81% |
| Q1 2025 | $267.7M | $255.6M | 16.81% | 11.60% | 3.58% |
| Q2 2025 | $280.9M | $269.6M | 15.72% | 12.26% | 3.25% |
| Q3 2025 | $287.5M | $276.4M | 15.85% | 12.33% | 3.05% |
| Q4 2025 | $292.9M | $278.7M | 15.85% | 11.60% | 2.91% |
| Q1 2026 | $300.3M | $286.6M | 16.43% | 15.26% | 2.74% |
| Q2 2026 | $316.9M | $290.4M | 17.71% | 14.11% | 2.87% |
First Federal Community Bank of Bucyrus loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Federal Community Bank of Bucyrus, freeSource: Call Report Schedule RC-C, 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)