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First Federal Community Bank of Bucyrus

$100M-$1B Specialty: Commercial OH FDIC cert 29705

Bucyrus, OH

6 branches across OH

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 96 in OH.
  • Deposits +7.7% year over year ($290.4M on the books).
  • Delinquency rate 0.16%.
  • Return on assets 0.99%.
  • Efficiency ratio 69.84% vs a 64.48% peer average.
  • Loan-to-deposit ratio 108.02% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 96 in OH
View $100M-$1B leaderboard (OH) →

First Federal Community Bank of Bucyrus has 2 strengths but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Net Interest Margin 0.09% above tier average
  • + Delinquency Rate 0.76% below tier average

Key Concerns

Areas that may need attention

  • - Loan-to-Deposit Ratio 30.07% above tier average
  • - Non-Interest-Bearing Deposit Share 13.23% below tier average
  • - ROA 0.33% below tier average
  • - Efficiency Ratio 5.36% above tier average
Get updates when First Federal Community Bank of Bucyrus releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Total Assets ? $373.8M
+11.1% YoY +4.9% QoQ
-$12.7M $386.6M
+1.2% YoY
$36.7B
+9.4% YoY
$6.3B
+7.7% YoY
58%
Total Loans ? $313.8M
+12.7% YoY +5.5% QoQ
+$55.4M $258.3M
+1.7% YoY
$16.2B
+12.1% YoY
$3.2B
+9.4% YoY
69%
Total Deposits ? $290.4M
+7.7% YoY +1.3% QoQ
-$36.3M $326.7M
+0.7% YoY
$26.4B
+7.6% YoY
$4.9B
+7.3% YoY
53%
Return on Assets ? 0.99%
+25.0% YoY +23.9% QoQ
-0.33% 1.32%
+10.8% YoY
1.21%
+9.4% YoY
1.30%
+12.1% YoY
33%
Net Interest Margin ? 4.08%
+8.5% YoY +6.0% QoQ
+0.09% 3.99%
+5.0% YoY
3.65%
+6.4% YoY
3.95%
+4.9% YoY
58%
Efficiency Ratio ? 69.84%
-9.9% YoY -5.3% QoQ
+5.36% 64.48%
-3.2% YoY
70.70%
-3.8% YoY
70.05%
+2.5% YoY
31%
Delinquency Rate ? 0.16%
-32.9% YoY +69.5% QoQ
-0.76% 0.92%
+15.7% YoY
0.68%
+23.3% YoY
0.98%
+16.3% YoY
68%
Loan-to-Deposit Ratio ? 108.02%
+4.6% YoY +4.1% QoQ
+30.07% 77.95%
+1.0% YoY
79.88%
+0.7% YoY
79.03%
+2.3% YoY
Bottom 4.2% in tier
Non-Interest-Bearing Deposit Share ? 8.80%
+60.3% YoY +6.9% QoQ
-13.23% 22.03%
-0.6% YoY
18.59%
+0.9% YoY
21.98%
-0.6% YoY
Bottom 8.4% in tier
Nonperforming Asset Ratio ? 0.30%
-21.4% YoY +18.9% QoQ
-0.37% 0.67%
+16.4% YoY
0.46%
+23.9% YoY
0.69%
+15.8% YoY
52%
Tier 1 Capital Ratio ? 9.77%
-3.3% YoY -2.1% QoQ
-6.14% 15.91%
+1.4% YoY
18.68%
-0.2% YoY
17.09%
+0.8% YoY
Bottom 7.9% in tier
Non-Interest Income / Assets ? 0.35%
-19.1% YoY +83.8% QoQ
-0.22% 0.57%
+7.6% YoY
1.22%
+2.7% YoY
0.66%
+5.2% YoY
79%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Noninterest-Bearing 8.8%
+3.3pp YoY
+0.6pp QoQ
 -13.3pp 22.1% 18.8% 22.2% 8%
Brokered Deposits 1.9%
+1.7pp YoY
-1.8pp QoQ
 -5.9pp 7.9% 7.7% 8.5% 29%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
C&I 14.3%
+1.9pp YoY
-1.2pp QoQ
 +2.7pp 11.6% 10.2% 12.5% 73%
CRE 29.6%
+0.5pp YoY
+0.6pp QoQ
 -9.9pp 39.5% 34.2% 41.4% 34%
1-4 Family 43.3%
-2.0pp YoY
+1.0pp QoQ
 +10.7pp 32.6% 50.0% 31.3% 75%
Consumer 2.9%
-0.4pp YoY
+0.1pp QoQ
 -1.2pp 4.1% 4.7% 5.0% 59%

Capital

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
CET1 Ratio 9.8%
-0.3pp YoY
-0.2pp QoQ
 -9.1pp 18.8% 22.1% 19.7% 1%
Leverage Ratio 8.1%
0.0pp YoY
+0.1pp QoQ
 -4.1pp 12.2% 12.9% 12.6% 3%
Total Capital Ratio 10.9%
-0.3pp YoY
-0.2pp QoQ
 -9.0pp 19.9% 23.2% 20.8% 2%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Full-Time Employees 70
-5 (-6.7%) YoY
0 QoQ
 +11 58 2,433 482 71%
Assets per Employee ($) $5.3M
+19.0% YoY
+4.9% QoQ
 -$2.2M $7.5M $7.6M $8.8M 20%
Branch Count 6
0 YoY
0 QoQ
 +1 4 81 18 66%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.2% 0.4% n/a
Nonaccrual 0.2%
-0.1pp YoY
+0.1pp QoQ
 -0.8pp 0.9% 0.6% 1.0% 26%
Allowance Coverage 6.11x
+62.3% YoY
-40.1% QoQ
 -18.04x 24.15x 18.95x 20.23x 74%
Net Charge-off Rate (YTD) n/a n/a 0.1% 0.1% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
ROE 12.9%
+2.5pp YoY
+2.6pp QoQ
 +0.7pp 12.2% 9.7% 11.6% 55%
Cost of Funds (YTD) 2.4%
-0.2pp YoY
0.0pp QoQ
 +0.7pp 1.7% 1.7% 1.7% 87%
Net Income ($, YTD) $1.8M
+38.4% YoY
— QoQ
 -$772K $2.6M $259.3M $40.4M 48%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (1 metrics)

556
Non-Interest Income / Assets
revenue_mix
Value: 0.35%
Peer Median: 0.57%
#556 of 2643 Top 21.0% in $100M-$1B

Top Weaknesses (3 metrics)

2534
Loan-to-Deposit Ratio
liquidity
Value: 108.02%
Peer Median: 77.95%
#2534 of 2643 Bottom 4.2% in $100M-$1B
2434
Tier 1 Capital Ratio
capital
Value: 9.77%
Peer Median: 15.91%
#2434 of 2643 Bottom 7.9% in $100M-$1B
2423
Non-Interest-Bearing Deposit Share
funding
Value: 8.80%
Peer Median: 22.03%
#2423 of 2643 Bottom 8.4% in $100M-$1B
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