Total Assets
$351M
Total balance-sheet footings
FDIC Cert #29705 · Bucyrus, Ohio · Est. 1887
First Federal Community Bank of Bucyrus - FDIC Bank Health Profile
A community-scale look at First Federal Community Bank of Bucyrus's own numbers, pulled straight from its quarterly FDIC Call Report.
- $351M
- Total assets
- B
- Health grade · Good
- 0.99%
- Return on assets
- 10.6%
- Tier 1 capital
Data updated July 2026
The verdict
First Federal Community Bank of Bucyrus earns a PlainBankData health grade of B (66/100), with well-capitalized at 10.59% Tier 1, 0.99% ROA, 72% efficiency ratio.
- #2,275
- largest of 4,313 FDIC banks by assets
- 47th
- percentile by asset size, nationally
- 10.59%
- Tier 1 ratio - above the 10% well-capitalized line
- 42nd
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How First Federal Community Bank of Bucyrus's 66/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
First Federal Community Bank of Bucyrus's composite health score
Tier 1 Capital Ratio (10.59%) 28/40
Return on Assets (ROA) (0.99%) 14/25
Texas Ratio (0.81%) 20/20
Efficiency Ratio (72.02%) 4/15
66 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$279M
Customer-funded liabilities
Net Loans
$290M
Outstanding loan book
Net Income
$3M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where First Federal Community Bank of Bucyrus ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First Federal Community Bank of Bucyrus's score of 66/100 falls in the highlighted band.
First Federal Community Bank of Bucyrus's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). First Federal Community Bank of Bucyrus's $351M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
10.59% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
10.59%
Texas Ratio
0.81%
Equity Capital
$27M
Profitability metrics
Return on Assets (ROA)
42nd percentile nationally
0.99%
Return on Equity (ROE)
13.02%
Efficiency Ratio
72.02%
What the numbers say about First Federal Community Bank of Bucyrus
First Federal Community Bank of Bucyrus is an FDIC-insured institution (Certificate #29705) headquartered in Bucyrus, Ohio, established in 1887. It holds $351M in total assets - 2,275th of 4,313 FDIC-insured banks, $279M in customer deposits, and $290M in net loans. Looking at capital strength, Tier 1 stands at 10.59%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 0.81%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of B (66/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Ohio, First Federal Community Bank of Bucyrus ranks 66th of 158 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$20M
Interest Income
$3M
Non-Interest Income
$11M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. First Federal Community Bank of Bucyrus reports a Texas Ratio of 0.81% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.81% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Ohio by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) First Federal Community Bank of Bucyrus (FDIC Cert #29705) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Ohio
All Ohio banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| JPMorgan Chase Bank, National AssociationColumbus | $3.75T | A | 1.34% |
| U.S. Bank National AssociationCincinnati | $676.1B | A | 1.18% |
| The Huntington National BankColumbus | $224.0B | A | 1.20% |
| Fifth Third Bank, National AssociationCincinnati | $213.7B | A | 1.34% |
| KeyBank National AssociationCleveland | $181.7B | A | 1.17% |
| First Financial BankCincinnati | $21.0B | A | 1.53% |
| Third Federal Savings and Loan Association of ClevelandCleveland | $17.5B | A | 0.51% |
| The Park National BankNewark | $9.7B | A | 1.90% |
Frequently asked questions
What is First Federal Community Bank of Bucyrus's health grade?▼
First Federal Community Bank of Bucyrus receives a health grade of B (66/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is First Federal Community Bank of Bucyrus?▼
First Federal Community Bank of Bucyrus holds $351M in total assets and $279M in deposits, ranking 2,275th of 4,313 FDIC-insured banks by asset size. It is headquartered in Bucyrus, Ohio.
Is my money safe at First Federal Community Bank of Bucyrus?▼
Yes, deposits at First Federal Community Bank of Bucyrus (Certificate #29705) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is First Federal Community Bank of Bucyrus's Tier 1 Capital Ratio?▼
First Federal Community Bank of Bucyrus has a Tier 1 Capital Ratio of 10.59%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for First Federal Community Bank of Bucyrus?▼
First Federal Community Bank of Bucyrus has a Texas Ratio of 0.81%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is First Federal Community Bank of Bucyrus?▼
First Federal Community Bank of Bucyrus has an Efficiency Ratio of 72.02%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read First Federal Community Bank of Bucyrus's profile as a depositor or analyst.
- First Federal Community Bank of Bucyrus's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare First Federal Community Bank of Bucyrus against other Ohio banks before moving funds. Ohio banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.