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First Federal Community Bank of Bucyrus

Bucyrus, OH · Cert 29705 · Community Investors Bcorp Inc.

SL · OCC · 6 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in OH3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in OH (n=68 to 71). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

13

Q2 2024Q2 2026peer median (50)

Asset Quality

56

Q2 2024Q2 2026peer median (50)

Profitability

59

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

51

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

First Federal Community Bank of Bucyrus

Bucyrus, OH · Cert 29705 · Community Investors Bcorp Inc.

SL · OCC · 6 branches

Q2 2026

$373.8MAssets
$316.9MLoans
$290.4MDeposits
$28.3MEquity
Loan mix
81%RE $233.7M16%C&I $45.8M3%Consumer $8.2MQ2 2025Q2 2026
Deposit mix
91%Interest-bearing $264.9M9%Noninterest $25.6MQ2 2025Q2 2026

NIM

5.31%Q2 ’245.85%Q2 ’255.95%Q2 ’26+20%+8%

Non-interest income vs. expense

3.31%Q2 ’243.44%Q2 ’253.17%Q2 ’26+10%-4%

Market Position · Columbus, OH · 2026 SOD (annual) · 0.0% share · #47 of 53 inst. · $0.0B of $124.6B

24.4% Crawford
1.4% Union

Executive Summary

  • Earnings: ROA of 0.99%, up 20 bps year over year; NIM at 3.76%.
  • Asset quality: problem loans at 0.16% of loans (-8 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 8.10%, up 4 bps from a year ago.
  • Funding: loans stand at 109.09% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.99%+20 bps YoY

Net Interest Margin (YTD, annualized)

3.76%+28 bps YoY

Efficiency Ratio (YTD, annualized)

69.84%-766 bps YoY

Tier 1 Leverage Ratio

8.10%+4 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.79%0.86%0.99%0.80%0.99%+20 bps
Return on Equity10.43%11.31%13.02%10.36%12.91%+248 bps
Net Interest Margin3.48%3.53%3.51%3.55%3.76%+28 bps
Efficiency Ratio77.50%75.57%72.02%73.72%69.84%-766 bps
Non-Interest Burden2.54%2.48%2.29%2.49%2.44%-10 bps
Growth
Asset Growth (YoY)7.92%6.73%10.42%10.82%11.09%+318 bps
Loan Growth (YoY)6.83%8.81%11.49%12.14%12.78%+595 bps
Deposit Growth (YoY)13.57%10.41%15.30%12.14%7.75%-582 bps
Asset Quality
Nonperforming Loans / Loans0.24%0.11%0.08%0.09%0.16%-8 bps
Net Charge-Offs / Loans-0.03%-0.03%-0.03%0.01%0.00%+3 bps
Allowance / Loans0.90%0.93%0.96%0.97%0.98%+8 bps
Allowance Coverage of NPLs3.8x8.3x11.5x10.2x6.1x+2.3x
Capital
Tier 1 Leverage Ratio8.06%8.03%8.02%8.01%8.10%+4 bps
Total Risk-Based Capital11.14%11.00%11.74%11.08%10.89%-25 bps
Equity / Assets7.48%7.60%7.71%7.71%7.58%+10 bps
Liquidity & Funding
Loans / Deposits104.22%104.01%105.07%104.75%109.09%+487 bps
Liquid Assets / Assets2.36%2.21%0.44%2.31%1.48%-88 bps
CRE / Total Capitaln/a325%312%310%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

First Federal Community Bank of Bucyrus

Bucyrus, OH · Cert 29705 · Peer group: banks under $1B in assets in OH (n=68-71) · Community Investors Bcorp Inc.

SL · OCC · 6 branches

Q2 2026

$373.8MAssets
$316.9MLoans
$290.4MDeposits
$28.3MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 69% of banks under $1B in assets in OH (rank 22 of 71).
  • Widest gap: tier 1 capital ratio trails 90% of banks under $1B in assets in OH (rank 64 of 71).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

0.95%

Rank 38 of 71

Net Interest Margin

3.76%

Rank 26 of 71

Efficiency Ratio

70.77%

Rank 36 of 71

Equity / Assets

7.58%

Rank 63 of 71

Non-interest income vs. expense

$2.6M$11.3MINCOMEEXPENSE
Unfavorable gap of $8.7M · efficiency ratio beats 51% of banks under $1B in assets in OH
Bank 70.77%Peer median 70.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.95%0.62%1.02%1.39%Beats 46%38 / 71
Return on Equity12.58%5.62%10.07%13.60%Beats 69%22 / 71
Net Interest Margin3.76%2.93%3.56%4.07%Beats 63%26 / 71
Efficiency Ratio70.77%55.94%70.77%78.80%Beats 51%36 / 71
Asset Quality
Nonperforming Loans / Loans0.16%0.08%0.27%0.97%Beats 62%27 / 68
Net Charge-Offs / Loans0.00%n/a0.00%0.05%Beats 50%35 / 68
Capital
Tier 1 Capital Ratio9.77%11.18%13.77%20.34%Beats 10%64 / 71
Total Risk-Based Capital Ratio10.89%12.08%14.34%21.24%Beats 18%58 / 71
Equity / Assets7.58%8.41%10.74%13.32%Beats 11%63 / 71
Liquidity & Funding
Loans / Deposits109.09%64.48%76.81%87.49%93rd pctl5 / 68
Loans / Assets84.76%55.33%65.58%72.51%92nd pctl6 / 71
Brokered Deposits / Depositsn/aNot reported for this institution