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First Federal Community Bank Of Bucyrus

IDRSSD: 346379
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
78
/ 100
StableAs of 2025-Q3QoQ 0

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2025-Q3

Bank #346379 2025-Q3 Vital Signs Score: 78/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).

Liquidity:Stable
Securities:Strong
Capitalization:Watch
Asset Quality:Strong
Reserves:Strong

Top 3 Watch Items

  1. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 103.0% (threshold 100%).

What changed this quarter

Compared to Q2 2025:
↑ 0 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↓ -2
  • Asset Quality
    ↑ +2
  • Reserves
    ↑ +1

The five pillars

Liquidity

StableQoQ -1
69
Sub-score

Liquidity is stable: brokered 2.0%, loans/deposits 103.0%, cash 4.2% of assets.

Cash / Assets
4.16%
Loans / Deposits
103.05%
Brokered %
1.96%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 103.0% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.75%
No watch items at this period.

Capitalization

WatchQoQ -2
49
Sub-score

Capital position is deteriorating: Tier 1 RBC 9.96%, CET1 9.96%, leverage 8.02%.

Tier 1 RBC
9.96%
CET1
9.96%
Leverage
8.02%
No watch items at this period.

Asset Quality

StrongQoQ +2
99
Sub-score

Asset quality is strong: Adjusted NPL 0.11%, Texas Ratio 1.1%, NCO YTD -0.03%.

Adjusted NPL
0.11%
Govt-guarantees stripped
Texas Ratio
1.1%
NCO YTD
-0.03%
30-89 PD
0.41%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ +1
81
Sub-score

Reserves are strong: ALLL 0.93% of loans, coverage 826.0%, true coverage 190.0%.

ALLL / Loans
0.93%
Coverage
826.0%
True Loss Coverage
190.0%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-13 08:21:39 UTC