This comparison uses public regulatory filings and TFS methodology. It evaluates financial condition—not checking rates, account fees, service quality, or which institution is universally “best.”
Bank
Bucyrus, OH
Health score
68.3
Total assets
$373.8M
Bank
Upper Sandusky, OH
Health score
78.3
Total assets
$389.9M
Answer first
First Federal Community Bank of Bucyrus leads on profitability and growth; The First Citizens National Bank of Upper Sandusky leads on financial health and capitalization and lending quality. Those category leads describe current regulatory metrics only and do not establish a universal product or service winner.
Capital and asset-quality definitions are directly comparable for this pair.
Category leaders
Financial health
The First Citizens National Bank of Upper Sandusky
Higher TFS health score
Capitalization
The First Citizens National Bank of Upper Sandusky
Higher comparable capital ratio
Profitability
First Federal Community Bank of Bucyrus
Higher return on assets
Lending quality
The First Citizens National Bank of Upper Sandusky
Lower problem-loan measure
Growth
First Federal Community Bank of Bucyrus
Higher year-over-year asset growth
Same-source detail
Winner markers appear only where the metric definitions are comparable and both values are available.
| Metric | First Federal Community Bank of Bucyrus | The First Citizens National Bank of Upper Sandusky |
|---|---|---|
| TFS health score | 68.3/100 | 78.3/100Leads |
| Total assets | $373.8M | $389.9M |
| Total deposits / shares | $290.4M | $327.1M |
| Tier 1 capital ratio | 8.10% | 12.59%Leads |
| Return on assets | 0.99%Leads | 0.48% |
| Return on equity | 12.91% |
First Federal Community Bank of Bucyrus
6 branches
The First Citizens National Bank of Upper Sandusky
8 branches
Both institutions report branches in 1 state: OH.
First Federal Community Bank of Bucyrus
Unavailable
The First Citizens National Bank of Upper Sandusky
Unavailable
Counts use an explicitly reviewed CFPB-company-to-regulatory-ID mapping and the same complete 12-month window. Parent-company attribution can include complaints involving affiliates. Lower complaint volume is context—not proof of better service or less consumer harm.
First Federal Community Bank of Bucyrus
0 in TFS registry
The First Citizens National Bank of Upper Sandusky
0 in TFS registry
Institution-level actions come from TFS's exact regulatory-ID registry and are shown as factual context only. They do not affect category winners or the TFS Financial Health Grade. A zero means no action is currently published in this curated registry—not proof that none exists.
Quarterly history
| Quarter | First Federal Community Bank of Bucyrus score | First Federal Community Bank of Bucyrus ROA | The First Citizens National Bank of Upper Sandusky score | The First Citizens National Bank of Upper Sandusky ROA |
|---|---|---|---|---|
| 2024-Q3 | — | 0.49% | — | 0.53% |
| 2024-Q4 | — | 0.54% | — | 0.50% |
| 2025-Q1 | — | 0.57% | — | 0.44% |
| 2025-Q2 | — | 0.79% | — | 0.53% |
| 2025-Q3 | — | 0.86% | — | 0.62% |
| 2025-Q4 | — | 0.99% | — | 0.52% |
| 2026-Q1 |
Keep watching
Get access to your dashboard watchlist and future financial-grade alerts.
Coverage boundaries
Related comparisons
Financial data comes from FDIC BankFind Suite or NCUA Call Reports as labeled. TFS Health Grades are an editorial assessment, not an official government rating or financial advice. Arbitrary comparison pairs are available dynamically but remain noindex unless curated for data completeness and user value.
| 4.25% |
| Non-performing loans | 0.16% | 0.01%Leads |
| Net charge-offs | 0.00% | -0.01%Leads |
| Efficiency ratio | 69.84%Leads | 86.60% |
| Loan-to-deposit ratio | 108.02% | 74.16% |
| Asset growth (YoY) | 11.09%Leads | 6.90% |
| Deposit / share growth (YoY) | 7.75%Leads | 4.85% |
| Branches | 6 | 8 |
| Published CFPB complaints per $1B deposits (12 months)verified mappings only | — | — |
| 67.2/100 |
| 0.80% |
| 74.3/100 |
| 0.32% |
| 2026-Q2 | 68.3/100 | 0.99% | 78.3/100 | 0.48% |