First Federal Community Bank of Bucyrus: 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: 15.90 percentage points lower than in Q1 2026, at 206.59%. Within Ohio, First Federal Community Bank of Bucyrus is 66th of 156 on return on assets, 1.21% as of Q2 2026, above the middle of the field. First Federal Community Bank of Bucyrus reported 1.21% on return on assets for Q2 2026, 0.04 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 9.77% |
| Tier 1 risk-based capital ratio | 9.77% |
| Total risk-based capital ratio | 10.89% |
| Tier 1 leverage ratio | 8.10% |
| Equity capital to assets | 7.58% |
| Tangible equity to tangible assets | 7.48% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.47% |
| Non-performing assets ratio | 0.57% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 6.84% |
| Allowance for credit losses to loans | 0.98% |
| Reserve coverage of non-performing loans | 206.59% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.21% |
| Return on equity | 15.44% |
| Net interest margin | 4.33% |
| Efficiency ratio | 66.31% |
| Yield on earning assets | 6.70% |
| Cost of funds | 2.54% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 109.09% |
| Core deposits to total deposits | 90.69% |
| Brokered deposits to total deposits | 1.92% |
| Deposits to assets | 77.70% |
| Securities to assets | 5.49% |
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 | 10.08% | 10.08% | 11.11% | 8.21% | 0.43% |
| Q4 2023 | 10.49% | 10.49% | 11.54% | 8.01% | 0.52% |
| Q1 2024 | 10.53% | 10.53% | 11.59% | 7.82% | 0.32% |
| Q2 2024 | 10.10% | 10.10% | 11.08% | 7.97% | 0.62% |
| Q3 2024 | 10.66% | 10.66% | 11.70% | 7.80% | 0.52% |
| Q4 2024 | 10.52% | 10.52% | 11.59% | 8.65% | 0.73% |
| Q1 2025 | 10.30% | 10.30% | 11.33% | 8.01% | 0.58% |
| Q2 2025 | 10.11% | 10.11% | 11.14% | 8.06% | 1.04% |
| Q3 2025 | 9.96% | 9.96% | 11.00% | 8.03% | 1.01% |
| Q4 2025 | 10.59% | 10.59% | 11.74% | 8.02% | 1.39% |
| Q1 2026 | 9.98% | 9.98% | 11.08% | 8.01% | 0.81% |
| Q2 2026 | 9.77% | 9.77% | 10.89% | 8.10% | 1.21% |
First Federal Community Bank of Bucyrus vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Federal Community Bank of Bucyrus, 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 of Bucyrus profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29705) · FFIEC NIC profile (RSSD 346379)