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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 — 2026-Q1

Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
77
/ 100
StableAs of 2026-Q1QoQ -2

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

Quarterly Headline

2026-Q1

Bank #346379 2026-Q1 Vital Signs Score: 77/100 — 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 103.7% (threshold 100%).

What changed this quarter

Compared to Q4 2025:
↓ -2 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    ↓ -7
  • Asset Quality
    ↓ 0
  • Reserves
    ↑ 0

The five pillars

Liquidity

StableQoQ -2
69
Sub-score

Liquidity is stable: brokered 3.7%, loans/deposits 103.7%, cash 4.6% of assets.

Cash / Assets
4.61%
Loans / Deposits
103.74%
Brokered %
3.69%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 103.7% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.13%
No watch items at this period.

Capitalization

WatchQoQ -7
49
Sub-score

Capital position is deteriorating: Tier 1 RBC 9.98%, CET1 9.98%, leverage 8.00%.

Tier 1 RBC
9.98%
CET1
9.98%
Leverage
8.00%
No watch items at this period.

Asset Quality

StrongQoQ 0
96
Sub-score

Asset quality is strong: Adjusted NPL 0.10%, Texas Ratio 0.9%, NCO YTD 0.01%.

Adjusted NPL
0.10%
Govt-guarantees stripped
Texas Ratio
0.9%
NCO YTD
0.01%
30-89 PD
0.97%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ 0
82
Sub-score

Reserves are strong: ALLL 0.97% of loans, coverage 1020.8%, true coverage 222.5%.

ALLL / Loans
0.97%
Coverage
1020.8%
True Loss Coverage
222.5%
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