BlastPoint's Banking Scorecard
The Killbuck Savings Bank Company
Killbuck, OH
13 branches across OH
The Killbuck Savings Bank Company has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 27.7% in tier
- + Efficiency Ratio 0.56% below tier average
Key Concerns
Areas that may need attention
- - NIB Deposit Bleed: Bottom 73.2% in tier
- - ROA 0.27% below tier average
- - Net Interest Margin 0.44% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$941.2M
+6.0% YoY
+2.9% QoQ
|
+$555.1M |
$386.1M
+0.5% YoY
|
$35.8B
+10.6% YoY
|
$6.2B
+9.1% YoY
|
Top 2.1% in tier |
| Total Loans ? |
$600.3M
+11.9% YoY
+5.2% QoQ
|
+$344.6M |
$255.7M
+1.1% YoY
|
$15.7B
+12.8% YoY
|
$3.2B
+10.8% YoY
|
Top 6.1% in tier |
| Total Deposits ? |
$788.7M
+6.9% YoY
+1.8% QoQ
|
+$460.7M |
$328.0M
+0.1% YoY
|
$25.9B
+8.5% YoY
|
$4.8B
+8.2% YoY
|
Top 3.0% in tier |
| Return on Assets ? |
1.00%
+4.9% YoY
-13.5% QoQ
|
-0.27% |
1.27%
+12.9% YoY
|
1.12%
+9.9% YoY
|
1.23%
+13.4% YoY
|
37% |
| Net Interest Margin ? |
3.49%
+10.5% YoY
+3.5% QoQ
|
-0.44% |
3.93%
+6.0% YoY
|
3.58%
+7.5% YoY
|
3.89%
+5.7% YoY
|
30% |
| Efficiency Ratio ? |
64.72%
+1.1% YoY
+8.5% QoQ
|
-0.56% |
65.29%
-4.5% YoY
|
72.65%
-4.0% YoY
|
66.95%
-4.1% YoY
|
46% |
| Delinquency Rate ? |
0.01%
-40.4% YoY
-6.3% QoQ
|
-0.88% |
0.89%
+18.8% YoY
|
0.65%
+14.5% YoY
|
0.95%
+18.8% YoY
|
Top 14.1% in tier |
| Loan-to-Deposit Ratio ? |
76.11%
+4.7% YoY
+3.3% QoQ
|
-0.53% |
76.64%
+0.8% YoY
|
79.14%
+0.8% YoY
|
76.70%
+0.9% YoY
|
55% |
| Non-Interest-Bearing Deposit Share ? |
16.38%
-13.7% YoY
-11.8% QoQ
|
-5.64% |
22.02%
-1.0% YoY
|
18.08%
-0.4% YoY
|
22.01%
-1.2% YoY
|
29% |
| Nonperforming Asset Ratio ? |
0.01%
-37.1% YoY
-4.2% QoQ
|
-0.63% |
0.64%
+19.7% YoY
|
0.44%
+14.5% YoY
|
0.67%
+19.3% YoY
|
Top 13.2% in tier |
| Tier 1 Capital Ratio ? |
13.15%
+2.2% YoY
+0.8% QoQ
|
-2.68% |
15.83%
+1.5% YoY
|
19.44%
+3.1% YoY
|
17.06%
+0.8% YoY
|
49% |
| Non-Interest Income / Assets ? |
0.10%
+5.1% YoY
-78.7% QoQ
|
-0.18% |
0.28%
+9.3% YoY
|
0.57%
-2.4% YoY
|
0.32%
+4.1% YoY
|
50% |
Get Full Access to The Killbuck Savings Bank Company
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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 (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (1)
NIB Deposit Bleed
declineNon-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.