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The Killbuck Savings Bank Company

$100M-$1B Specialty: Commercial OH FDIC cert 11860

Killbuck, OH

13 branches across OH

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 96 in OH.
  • Deposits +6.9% year over year ($798.4M on the books).
  • Delinquency rate 0.01%.
  • Return on assets 1.13%.
  • Efficiency ratio 60.94% vs a 64.48% peer average.
  • Loan-to-deposit ratio 77.79% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 96 in OH
View $100M-$1B leaderboard (OH) →

The Killbuck Savings Bank Company has 2 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Credit Quality Leader: Top 25.0% in tier
  • + Efficiency Ratio 3.54% below tier average

Key Concerns

Areas that may need attention

  • - NIB Deposit Bleed: Bottom 43.8% in tier
  • - ROA 0.19% below tier average
  • - Net Interest Margin 0.43% below tier average
Get updates when The Killbuck Savings Bank Company releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Total Assets ? $953.8M
+7.4% YoY +1.3% QoQ
+$567.2M $386.6M
+1.2% YoY
$36.7B
+9.4% YoY
$6.3B
+7.7% YoY
Top 1.4% in tier
Total Loans ? $621.1M
+15.2% YoY +3.5% QoQ
+$362.8M $258.3M
+1.7% YoY
$16.2B
+12.1% YoY
$3.2B
+9.4% YoY
Top 5.2% in tier
Total Deposits ? $798.4M
+6.9% YoY +1.2% QoQ
+$471.6M $326.7M
+0.7% YoY
$26.4B
+7.6% YoY
$4.9B
+7.3% YoY
Top 2.3% in tier
Return on Assets ? 1.13%
+2.9% YoY +13.4% QoQ
-0.19% 1.32%
+10.8% YoY
1.21%
+9.4% YoY
1.30%
+12.1% YoY
43%
Net Interest Margin ? 3.56%
+10.0% YoY +1.9% QoQ
-0.43% 3.99%
+5.0% YoY
3.65%
+6.4% YoY
3.95%
+4.9% YoY
30%
Efficiency Ratio ? 60.94%
-0.8% YoY -5.8% QoQ
-3.54% 64.48%
-3.2% YoY
70.70%
-3.8% YoY
70.05%
+2.5% YoY
54%
Delinquency Rate ? 0.01%
-30.8% YoY -10.5% QoQ
-0.91% 0.92%
+15.7% YoY
0.68%
+23.3% YoY
0.98%
+16.3% YoY
Top 14.4% in tier
Loan-to-Deposit Ratio ? 77.79%
+7.7% YoY +2.2% QoQ
-0.16% 77.95%
+1.0% YoY
79.88%
+0.7% YoY
79.03%
+2.3% YoY
54%
Non-Interest-Bearing Deposit Share ? 15.86%
-17.5% YoY -3.2% QoQ
-6.17% 22.03%
-0.6% YoY
18.59%
+0.9% YoY
21.98%
-0.6% YoY
27%
Nonperforming Asset Ratio ? 0.01%
-25.7% YoY -8.6% QoQ
-0.66% 0.67%
+16.4% YoY
0.46%
+23.9% YoY
0.69%
+15.8% YoY
Top 13.1% in tier
Tier 1 Capital Ratio ? 12.93%
-1.7% YoY -1.7% QoQ
-2.98% 15.91%
+1.4% YoY
18.68%
-0.2% YoY
17.09%
+0.8% YoY
47%
Non-Interest Income / Assets ? 0.20%
-20.9% YoY +104.4% QoQ
-0.37% 0.57%
+7.6% YoY
1.22%
+2.7% YoY
0.66%
+5.2% YoY
49%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Noninterest-Bearing 15.9%
-3.4pp YoY
-0.5pp QoQ
 -6.3pp 22.1% 18.8% 22.2% 27%
Brokered Deposits 0.8%
-0.1pp YoY
0.0pp QoQ
 -7.1pp 7.9% 7.7% 8.5% 16%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
C&I 12.3%
-1.3pp YoY
+0.5pp QoQ
 +0.8pp 11.6% 10.2% 12.5% 65%
CRE 31.0%
-1.3pp YoY
-1.1pp QoQ
 -8.5pp 39.5% 34.2% 41.4% 36%
1-4 Family 44.0%
-0.3pp YoY
0.0pp QoQ
 +11.4pp 32.6% 50.0% 31.3% 76%
Consumer 0.4%
-0.2pp YoY
-0.1pp QoQ
 -3.7pp 4.1% 4.7% 5.0% 13%

Capital

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
CET1 Ratio 12.9%
-0.2pp YoY
-0.2pp QoQ
 -5.9pp 18.8% 22.1% 19.7% 27%
Leverage Ratio 9.5%
+0.1pp YoY
-0.1pp QoQ
 -2.7pp 12.2% 12.9% 12.6% 21%
Total Capital Ratio 13.7%
-0.2pp YoY
-0.2pp QoQ
 -6.2pp 19.9% 23.2% 20.8% 23%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Full-Time Employees 126
-18 (-12.5%) YoY
0 QoQ
 +67 58 2,433 482 94%
Assets per Employee ($) $7.6M
+22.7% YoY
+1.3% QoQ
 +$51K $7.5M $7.6M $8.8M 62%
Branch Count 13
+1 (+8.3%) YoY
0 QoQ
 +8 4 81 18 96%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.2% 0.4% n/a
Nonaccrual 0.0%
0.0pp YoY
0.0pp QoQ
 -0.9pp 0.9% 0.6% 1.0% 3%
Allowance Coverage 84.06x
+35.7% YoY
+10.5% QoQ
 +59.91x 24.15x 18.95x 20.23x 96%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 31%

Profitability

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
ROE 13.5%
-1.5pp YoY
+1.6pp QoQ
 +1.3pp 12.2% 9.7% 11.6% 59%
Cost of Funds (YTD) 1.6%
-0.1pp YoY
0.0pp QoQ
 -0.1pp 1.7% 1.7% 1.7% 42%
Net Income ($, YTD) $5.3M
+8.9% YoY
— QoQ
 +$2.7M $2.6M $259.3M $40.4M 89%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Credit Quality Leader

growth
#166 of 659 • Top 25.0% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.01%
(Tier: 0.92%, National: 0.98%)
better than tier avg
659 of 659 Community banks match · 920 nationally
→ Stable +1 banks QoQ | QoQ rank improving

Concerns (1)

NIB Deposit Bleed

decline
#72 of 162 • Bottom 43.8% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature
Noninterest-Bearing Deposit Share: 15.86%
(Tier: 22.03%, National: 21.98%)
worse than tier avg
162 of 162 Community banks match · 211 nationally
↓ Shrinking -26 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (5 metrics)

39
Total Assets
size
Value: $953.78M
Peer Median: $386.57M
#39 of 2643 Top 1.4% in $100M-$1B
63
Total Deposits
size
Value: $798.38M
Peer Median: $326.73M
#63 of 2643 Top 2.3% in $100M-$1B
138
Total Loans
size
Value: $621.10M
Peer Median: $258.35M
#138 of 2643 Top 5.2% in $100M-$1B
346
Nonperforming Asset Ratio
credit_quality
Value: 0.01%
Peer Median: 0.67%
#346 of 2643 Top 13.1% in $100M-$1B
380
Delinquency Rate
credit_quality
Value: 0.01%
Peer Median: 0.92%
#380 of 2633 Top 14.4% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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