BlastPoint's Banking Scorecard
First Federal Community Bank of Bucyrus
Micro
Specialty: Commercial
OH
FDIC cert 29705
Designations: ✓ Community bank
Bucyrus, OH
2498
banks in Micro tier nationally
102 in OH
View Micro leaderboard (OH) →
First Federal Community Bank of Bucyrus has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest Income / Assets 0.35% above tier
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 29.54% above tier
- - Non-Interest-Bearing Deposit Share 14.42% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$350.9M
+10.4% YoY
+2.5% QoQ
|
+$133.4M |
$217.5M
+2.3% YoY
|
$33.1B
+6.9% YoY
|
$5.9B
+6.5% YoY
|
81% |
| Total Loans ? |
$290.1M
+11.5% YoY
+1.8% QoQ
|
+$150.9M |
$139.2M
+2.8% YoY
|
$14.9B
+8.3% YoY
|
$3.1B
+8.5% YoY
|
Top 9% in tier |
| Total Deposits ? |
$278.7M
+15.3% YoY
+0.9% QoQ
|
+$95.1M |
$183.7M
+1.8% YoY
|
$24.6B
+5.7% YoY
|
$4.7B
+6.3% YoY
|
77% |
| Return on Assets ? |
0.99%
+84.9% YoY
+15.4% QoQ
|
-0.09% |
1.08%
+14.7% YoY
|
0.85%
+32.0% YoY
|
1.12%
+15.6% YoY
|
46% |
| Net Interest Margin ? |
3.94%
+15.6% YoY
+2.1% QoQ
|
+0.09% |
3.85%
+6.6% YoY
|
3.56%
+10.4% YoY
|
3.75%
+7.1% YoY
|
56% |
| Efficiency Ratio ? |
72.02%
-12.5% YoY
-4.7% QoQ
|
+4.29% |
67.73%
-4.8% YoY
|
71.79%
-6.6% YoY
|
65.09%
-5.1% YoY
|
35% |
| Delinquency Rate ? |
0.08%
-88.2% YoY
-26.1% QoQ
|
-0.56% |
0.64%
+24.4% YoY
|
0.53%
+11.7% YoY
|
0.66%
+20.3% YoY
|
72% |
| Loan-to-Deposit Ratio ? |
104.07%
-3.3% YoY
+1.0% QoQ
|
+29.54% |
74.53%
+0.5% YoY
|
81.05%
+0.1% YoY
|
78.04%
+0.7% YoY
|
Bottom 6% in tier |
| Non-Interest-Bearing Deposit Share ? |
7.98%
+4.7% YoY
+9.4% QoQ
|
-14.42% |
22.39%
-1.3% YoY
|
17.48%
-2.0% YoY
|
21.79%
-1.3% YoY
|
Bottom 8% in tier |
| Nonperforming Asset Ratio ? |
0.25%
-57.6% YoY
-10.8% QoQ
|
-0.21% |
0.45%
+25.1% YoY
|
0.34%
+9.4% YoY
|
0.48%
+20.8% YoY
|
53% |
| Tier 1 Capital Ratio ? |
10.59%
+0.6% YoY
+6.4% QoQ
|
+1.74% |
8.85%
-3.4% YoY
|
9.14%
+0.8% YoY
|
9.75%
-1.9% YoY
|
54% |
| Non-Interest Income / Assets ? |
0.91%
-6.5% YoY
+33.6% QoQ
|
+0.35% |
0.56%
+0.3% YoY
|
0.55%
+0.1% YoY
|
0.65%
+0.6% YoY
|
Top 9% in tier |
Signature Analysis
Strengths (1)
Non-Interest Income / Assets
metric
Top 9%
in Micro
Why this stands out
Current:
0.91%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (2)
Loan-to-Deposit Ratio
metric
Bottom 6%
in Micro
Why this stands out
Current:
104.07%
(Tier avg: 74.53%, National avg: 78.04%)
Non-Interest-Bearing Deposit Share
metric
Bottom 8%
in Micro
Why this stands out
Current:
7.98%
(Tier avg: 22.39%, National avg: 21.79%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
91
91th pctile
Total Loans
Current: $290.1M · Tier avg: $139.2M
91
91th pctile
Non-Interest Income / Assets
Current: 0.91% · Tier avg: 0.56%
81
81th pctile
Total Assets
Current: $350.9M · Tier avg: $217.5M
77
77th pctile
Total Deposits
Current: $278.7M · Tier avg: $183.7M
72
72th pctile
Delinquency Rate
Current: 0.08% · Tier avg: 0.64%
56
56th pctile
Net Interest Margin
Current: 3.94% · Tier avg: 3.85%
54
54th pctile
Tier 1 Capital Ratio
Current: 10.59% · Tier avg: 8.85%
53
53th pctile
Nonperforming Asset Ratio
Current: 0.25% · Tier avg: 0.45%
46
46th pctile
Return on Assets
Current: 0.99% · Tier avg: 1.08%
35
35th pctile
Efficiency Ratio
Current: 72.02% · Tier avg: 67.73%
8
8th pctile
Non-Interest-Bearing Deposit Share
Current: 7.98% · Tier avg: 22.39%
6
6th pctile
Loan-to-Deposit Ratio
Current: 104.07% · Tier avg: 74.53%
Top Weaknesses
6
6th pctile
Loan-to-Deposit Ratio
Current: 104.07% · Tier avg: 74.53%
8
8th pctile
Non-Interest-Bearing Deposit Share
Current: 7.98% · Tier avg: 22.39%
35
35th pctile
Efficiency Ratio
Current: 72.02% · Tier avg: 67.73%
46
46th pctile
Return on Assets
Current: 0.99% · Tier avg: 1.08%
53
53th pctile
Nonperforming Asset Ratio
Current: 0.25% · Tier avg: 0.45%
54
54th pctile
Tier 1 Capital Ratio
Current: 10.59% · Tier avg: 8.85%
56
56th pctile
Net Interest Margin
Current: 3.94% · Tier avg: 3.85%
72
72th pctile
Delinquency Rate
Current: 0.08% · Tier avg: 0.64%
77
77th pctile
Total Deposits
Current: $278.7M · Tier avg: $183.7M
81
81th pctile
Total Assets
Current: $350.9M · Tier avg: $217.5M
91
91th pctile
Non-Interest Income / Assets
Current: 0.91% · Tier avg: 0.56%
91
91th pctile
Total Loans
Current: $290.1M · Tier avg: $139.2M