BlastPoint's Banking Scorecard
Buckeye State Bank
Powell, OH
6 branches across OH
Buckeye State Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 29.9% in tier
- - ROA 0.76% below tier average
- - Net Interest Margin 0.58% below tier average
- - Efficiency Ratio 11.79% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$548.4M
+16.1% YoY
-1.1% QoQ
|
+$162.3M |
$386.1M
+0.5% YoY
|
$35.8B
+10.6% YoY
|
$6.2B
+9.1% YoY
|
76% |
| Total Loans ? |
$327.9M
+12.6% YoY
-1.4% QoQ
|
+$72.2M |
$255.7M
+1.1% YoY
|
$15.7B
+12.8% YoY
|
$3.2B
+10.8% YoY
|
72% |
| Total Deposits ? |
$465.7M
+17.3% YoY
-2.3% QoQ
|
+$137.7M |
$328.0M
+0.1% YoY
|
$25.9B
+8.5% YoY
|
$4.8B
+8.2% YoY
|
77% |
| Return on Assets ? |
0.51%
+23.1% YoY
-1.2% QoQ
|
-0.76% |
1.27%
+12.9% YoY
|
1.12%
+9.9% YoY
|
1.23%
+13.4% YoY
|
Bottom 13.5% in tier |
| Net Interest Margin ? |
3.35%
-3.3% YoY
-4.3% QoQ
|
-0.58% |
3.93%
+6.0% YoY
|
3.58%
+7.5% YoY
|
3.89%
+5.7% YoY
|
24% |
| Efficiency Ratio ? |
77.08%
-4.5% YoY
-5.6% QoQ
|
+11.79% |
65.29%
-4.5% YoY
|
72.65%
-4.0% YoY
|
66.95%
-4.1% YoY
|
19% |
| Delinquency Rate ? |
0.25%
+376.0% YoY
+45.3% QoQ
|
-0.64% |
0.89%
+18.8% YoY
|
0.65%
+14.5% YoY
|
0.95%
+18.8% YoY
|
61% |
| Loan-to-Deposit Ratio ? |
70.41%
-4.0% YoY
+1.0% QoQ
|
-6.23% |
76.64%
+0.8% YoY
|
79.14%
+0.8% YoY
|
76.70%
+0.9% YoY
|
66% |
| Non-Interest-Bearing Deposit Share ? |
14.62%
-13.4% YoY
-3.3% QoQ
|
-7.40% |
22.02%
-1.0% YoY
|
18.08%
-0.4% YoY
|
22.01%
-1.2% YoY
|
23% |
| Nonperforming Asset Ratio ? |
0.15%
+361.7% YoY
+34.2% QoQ
|
-0.49% |
0.64%
+19.7% YoY
|
0.44%
+14.5% YoY
|
0.67%
+19.3% YoY
|
65% |
| Tier 1 Capital Ratio ? |
11.91%
-2.0% YoY
+0.8% QoQ
|
-3.92% |
15.83%
+1.5% YoY
|
19.44%
+3.1% YoY
|
17.06%
+0.8% YoY
|
34% |
| Non-Interest Income / Assets ? |
0.09%
+2.9% YoY
-73.6% QoQ
|
-0.19% |
0.28%
+9.3% YoY
|
0.57%
-2.4% YoY
|
0.32%
+4.1% YoY
|
46% |
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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 (0)
Concerns (1)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.