First Federal Community Bank of Bucyrus: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The standout move of Q2 2026 was in Net interest margin: 0.51 percentage points higher than in Q1 2026, at 4.33%. Within Ohio, First Federal Community Bank of Bucyrus is 32nd of 156 on net interest margin, 4.33% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. First Federal Community Bank of Bucyrus sits 0.38 points higher, at 4.33% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.70% |
| Yield on loans | 6.81% |
| Yield on securities | 2.40% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.54% |
| Cost of interest-bearing deposits | 2.36% |
| Cost of interest-bearing liabilities | 2.53% |
| Cost of borrowings | 4.14% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.33% |
| Yield to cost spread | 4.17% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.3M |
| Total interest expense | $2.0M |
| Interest expense on deposits | $1.6M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 5.27% | 2.57% | 2.99% | 5.79% | 1.56% |
| Q4 2023 | 5.41% | 2.90% | 2.95% | 5.94% | 1.47% |
| Q1 2024 | 5.79% | 2.86% | 3.12% | 6.03% | 1.63% |
| Q2 2024 | 5.84% | 2.78% | 3.22% | 6.09% | 1.52% |
| Q3 2024 | 6.30% | 3.02% | 3.50% | 6.68% | 1.27% |
| Q4 2024 | 6.26% | 2.97% | 3.50% | 6.54% | 1.16% |
| Q1 2025 | 6.14% | 2.78% | 3.57% | 6.37% | 1.80% |
| Q2 2025 | 6.49% | 2.77% | 3.94% | 6.69% | 1.96% |
| Q3 2025 | 6.64% | 2.75% | 4.09% | 6.84% | 1.58% |
| Q4 2025 | 6.59% | 2.76% | 4.08% | 6.79% | 1.98% |
| Q1 2026 | 6.20% | 2.59% | 3.82% | 6.38% | 2.23% |
| Q2 2026 | 6.70% | 2.54% | 4.33% | 6.81% | 2.40% |
First Federal Community Bank of Bucyrus yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Federal Community Bank of Bucyrus, freeSource: Call Report Schedules RI and RC-K, 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)