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Buckeye State Bank

$100M-$1B Specialty: Commercial OH FDIC cert 2286

Powell, OH

6 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 +11.2% year over year ($474.2M on the books).
  • Delinquency rate 0.30%.
  • Return on assets 0.53%.
  • Efficiency ratio 76.29% vs a 64.48% peer average.
  • Loan-to-deposit ratio 72.79% 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) →

Buckeye State Bank has 1 strength but faces 4 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

  • + Delinquency Rate 0.62% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 36.7% in tier
  • - ROA 0.79% below tier average
  • - Net Interest Margin 0.60% below tier average
  • - Efficiency Ratio 11.81% above tier average
Get updates when Buckeye State Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Total Assets ? $569.2M
+13.6% YoY +3.8% QoQ
+$182.7M $386.6M
+1.2% YoY
$36.7B
+9.4% YoY
$6.3B
+7.7% YoY
78%
Total Loans ? $345.2M
+13.3% YoY +5.3% QoQ
+$86.8M $258.3M
+1.7% YoY
$16.2B
+12.1% YoY
$3.2B
+9.4% YoY
73%
Total Deposits ? $474.2M
+11.2% YoY +1.8% QoQ
+$147.5M $326.7M
+0.7% YoY
$26.4B
+7.6% YoY
$4.9B
+7.3% YoY
77%
Return on Assets ? 0.53%
-0.1% YoY +3.6% QoQ
-0.79% 1.32%
+10.8% YoY
1.21%
+9.4% YoY
1.30%
+12.1% YoY
Bottom 13.1% in tier
Net Interest Margin ? 3.39%
-2.3% YoY +1.2% QoQ
-0.60% 3.99%
+5.0% YoY
3.65%
+6.4% YoY
3.95%
+4.9% YoY
23%
Efficiency Ratio ? 76.29%
-4.8% YoY -1.0% QoQ
+11.81% 64.48%
-3.2% YoY
70.70%
-3.8% YoY
70.05%
+2.5% YoY
18%
Delinquency Rate ? 0.30%
+632.2% YoY +21.6% QoQ
-0.62% 0.92%
+15.7% YoY
0.68%
+23.3% YoY
0.98%
+16.3% YoY
57%
Loan-to-Deposit Ratio ? 72.79%
+1.9% YoY +3.4% QoQ
-5.17% 77.95%
+1.0% YoY
79.88%
+0.7% YoY
79.03%
+2.3% YoY
64%
Non-Interest-Bearing Deposit Share ? 15.33%
-9.7% YoY +4.8% QoQ
-6.70% 22.03%
-0.6% YoY
18.59%
+0.9% YoY
21.98%
-0.6% YoY
26%
Nonperforming Asset Ratio ? 0.18%
+436.0% YoY +23.3% QoQ
-0.49% 0.67%
+16.4% YoY
0.46%
+23.9% YoY
0.69%
+15.8% YoY
62%
Tier 1 Capital Ratio ? 11.36%
-8.4% YoY -4.6% QoQ
-4.55% 15.91%
+1.4% YoY
18.68%
-0.2% YoY
17.09%
+0.8% YoY
28%
Non-Interest Income / Assets ? 0.14%
-26.7% YoY +54.9% QoQ
-0.43% 0.57%
+7.6% YoY
1.22%
+2.7% YoY
0.66%
+5.2% YoY
31%

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 15.3%
-1.6pp YoY
+0.7pp QoQ
 -6.8pp 22.1% 18.8% 22.2% 25%
Brokered Deposits 5.7%
+3.4pp YoY
+3.5pp QoQ
 -2.1pp 7.9% 7.7% 8.5% 57%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
C&I 9.5%
-0.3pp YoY
-0.3pp QoQ
 -2.0pp 11.6% 10.2% 12.5% 50%
CRE 55.9%
-0.5pp YoY
-2.8pp QoQ
 +16.3pp 39.5% 34.2% 41.4% 80%
1-4 Family 29.5%
-1.3pp YoY
-0.1pp QoQ
 -3.1pp 32.6% 50.0% 31.3% 50%
Consumer 4.3%
+1.9pp YoY
+2.7pp QoQ
 +0.2pp 4.1% 4.7% 5.0% 73%

Capital

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
CET1 Ratio 11.4%
-1.1pp YoY
-0.6pp QoQ
 -7.5pp 18.8% 22.1% 19.7% 11%
Leverage Ratio 8.2%
-0.8pp YoY
-0.3pp QoQ
 -4.0pp 12.2% 12.9% 12.6% 3%
Total Capital Ratio 12.2%
-1.0pp YoY
-0.6pp QoQ
 -7.8pp 19.9% 23.2% 20.8% 8%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Full-Time Employees 68
+13 (+23.6%) YoY
+4 (+6.2%) QoQ
 +9 58 2,433 482 69%
Assets per Employee ($) $8.4M
-8.1% YoY
-2.3% QoQ
 +$853K $7.5M $7.6M $8.8M 72%
Branch Count 6
0 YoY
0 QoQ
 +1 4 81 18 66%

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 0.3%
+0.3pp YoY
+0.1pp QoQ
 -0.6pp 0.9% 0.6% 1.0% 38%
Allowance Coverage 3.00x
-86.0% YoY
-18.9% QoQ
 -21.15x 24.15x 18.95x 20.23x 58%
Net Charge-off Rate (YTD) 0.1%
+0.1pp YoY
-0.1pp QoQ
 0.0pp 0.1% 0.1% 0.2% 79%

Profitability

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
ROE 5.7%
+0.2pp YoY
+0.2pp QoQ
 -6.5pp 12.2% 9.7% 11.6% 16%
Cost of Funds (YTD) 2.3%
+0.1pp YoY
+0.1pp QoQ
 +0.6pp 1.7% 1.7% 1.7% 85%
Net Income ($, YTD) $1.5M
+15.5% YoY
— QoQ
 -$1.1M $2.6M $259.3M $40.4M 41%

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 (0)

No matched strength signatures this quarter

Concerns (1)

Credit Quality Pressure

risk
#462 of 1256 • Bottom 36.7% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.30%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank declining

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 (2 metrics)

579
Total Assets
size
Value: $569.25M
Peer Median: $386.57M
#579 of 2643 Top 21.9% in $100M-$1B
600
Total Deposits
size
Value: $474.20M
Peer Median: $326.73M
#600 of 2643 Top 22.7% in $100M-$1B

Top Weaknesses (3 metrics)

2297
Return on Assets
profitability
Value: 0.53%
Peer Median: 1.32%
#2297 of 2643 Bottom 13.1% in $100M-$1B
2157
Efficiency Ratio
profitability
Value: 76.29%
Peer Median: 64.48%
#2157 of 2643 Bottom 18.4% in $100M-$1B
2028
Net Interest Margin
profitability
Value: 3.39%
Peer Median: 3.99%
#2028 of 2643 Bottom 23.3% in $100M-$1B
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