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
Unfavorable gap of $8.7M · efficiency ratio beats 51% of banks under $1B in assets in OH | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.95% | 0.62% | 1.02% | 1.39% | Beats 46% | 38 / 71 | | |
| Return on Equity | 12.58% | 5.62% | 10.07% | 13.60% | Beats 69% | 22 / 71 | | |
| Net Interest Margin | 3.76% | 2.93% | 3.56% | 4.07% | Beats 63% | 26 / 71 | | |
| Efficiency Ratio | 70.77% | 55.94% | 70.77% | 78.80% | Beats 51% | 36 / 71 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.16% | 0.08% | 0.27% | 0.97% | Beats 62% | 27 / 68 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.05% | Beats 50% | 35 / 68 | | |
| Capital |
| Tier 1 Capital Ratio | 9.77% | 11.18% | 13.77% | 20.34% | Beats 10% | 64 / 71 | | |
| Total Risk-Based Capital Ratio | 10.89% | 12.08% | 14.34% | 21.24% | Beats 18% | 58 / 71 | | |
| Equity / Assets | 7.58% | 8.41% | 10.74% | 13.32% | Beats 11% | 63 / 71 | | |
| Liquidity & Funding |
| Loans / Deposits | 109.09% | 64.48% | 76.81% | 87.49% | 93rd pctl | 5 / 68 | | |
| Loans / Assets | 84.76% | 55.33% | 65.58% | 72.51% | 92nd pctl | 6 / 71 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |