🏦Bank Scorer

FIRST FEDERAL COMMUNITY BANK OF BUCYRUS

BUCYRUS, OH · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1887FDIC #29,705
Satisfactory Same

Current rating · Exam: July 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.80%

Institution Profile

FDIC BankFind

Address

119 S Sandusky Ave, BUCYRUS, OH

County

Crawford County

Established

January 1, 1887

Total Assets

$356M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

July 23, 2025

Exam Type

Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)
What is a CRA rating? →
Estimated next exam:Jul 2030(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$356M

Total Deposits

$287M

Net Loans

$297M

Net Income

$706K

ROA

0.80%

ROE

10.36%

Risk-Based Capital

11.08%

Regulatory minimum: 8%

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate1.63%Peer avg: 7.63%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

6

Branch Deposits

$270M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202412397.56%1.63%
202321392.49%1.88%
202226597.36%0.75%
202125193.23%4.38%
202042695.77%2.58%
201929290.75%3.08%
201822091.36%3.64%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

2 previous ratings locked — dating back to 2017

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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