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Buckeye Community Bank

$100M-$1B Specialty: Commercial OH FDIC cert 35101

Elyria, OH

2 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 -0.9% year over year ($206.6M on the books).
  • Delinquency rate 0.01%.
  • Return on assets 0.71%.
  • Efficiency ratio 80.92% vs a 64.48% peer average.
  • Loan-to-deposit ratio 89.47% 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 Community Bank has 2 strengths 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

  • + Net Interest Margin 0.32% above tier average
  • + Delinquency Rate 0.91% below tier average

Key Concerns

Areas that may need attention

  • - Deposit Outflow: Bottom 9.5% in tier
  • - Flatlined Growth: Bottom 14.7% in tier
  • - Efficiency Drag: Bottom 39.3% in tier
  • - ROA 0.61% below tier average
Get updates when Buckeye Community 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 ? $238.3M
-0.1% YoY -2.8% QoQ
-$148.3M $386.6M
+1.2% YoY
$36.7B
+9.4% YoY
$6.3B
+7.7% YoY
34%
Total Loans ? $184.8M
+2.9% YoY -2.1% QoQ
-$73.5M $258.3M
+1.7% YoY
$16.2B
+12.1% YoY
$3.2B
+9.4% YoY
45%
Total Deposits ? $206.6M
-0.9% YoY -3.5% QoQ
-$120.1M $326.7M
+0.7% YoY
$26.4B
+7.6% YoY
$4.9B
+7.3% YoY
36%
Return on Assets ? 0.71%
+33.6% YoY +11.5% QoQ
-0.61% 1.32%
+10.8% YoY
1.21%
+9.4% YoY
1.30%
+12.1% YoY
20%
Net Interest Margin ? 4.31%
+5.8% YoY +4.0% QoQ
+0.32% 3.99%
+5.0% YoY
3.65%
+6.4% YoY
3.95%
+4.9% YoY
71%
Efficiency Ratio ? 80.92%
-3.9% YoY -3.2% QoQ
+16.44% 64.48%
-3.2% YoY
70.70%
-3.8% YoY
70.05%
+2.5% YoY
Bottom 12.7% in tier
Delinquency Rate ? 0.01%
-89.7% YoY -14.9% QoQ
-0.91% 0.92%
+15.7% YoY
0.68%
+23.3% YoY
0.98%
+16.3% YoY
Top 13.8% in tier
Loan-to-Deposit Ratio ? 89.47%
+3.8% YoY +1.4% QoQ
+11.51% 77.95%
+1.0% YoY
79.88%
+0.7% YoY
79.03%
+2.3% YoY
27%
Non-Interest-Bearing Deposit Share ? 28.78%
-12.2% YoY +7.9% QoQ
+6.75% 22.03%
-0.6% YoY
18.59%
+0.9% YoY
21.98%
-0.6% YoY
79%
Nonperforming Asset Ratio ? 0.01%
-89.4% YoY -14.3% QoQ
-0.66% 0.67%
+16.4% YoY
0.46%
+23.9% YoY
0.69%
+15.8% YoY
Top 13.0% in tier
Tier 1 Capital Ratio ? 12.94%
-19.4% YoY -17.8% QoQ
-2.96% 15.91%
+1.4% YoY
18.68%
-0.2% YoY
17.09%
+0.8% YoY
47%
Non-Interest Income / Assets ? 0.11%
-9.7% YoY +105.7% QoQ
-0.46% 0.57%
+7.6% YoY
1.22%
+2.7% YoY
0.66%
+5.2% YoY
21%

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 28.8%
-4.0pp YoY
+2.1pp QoQ
 +6.6pp 22.1% 18.8% 22.2% 78%
Brokered Deposits 1.5%
-8.6pp YoY
-9.3pp QoQ
 -6.4pp 7.9% 7.7% 8.5% 24%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
C&I 24.6%
+2.5pp YoY
+0.2pp QoQ
 +13.0pp 11.6% 10.2% 12.5% 93%
CRE 60.6%
-4.2pp YoY
-1.9pp QoQ
 +21.0pp 39.5% 34.2% 41.4% 85%
1-4 Family 14.3%
+1.4pp YoY
+1.6pp QoQ
 -18.3pp 32.6% 50.0% 31.3% 18%
Consumer 1.7%
+0.4pp YoY
0.0pp QoQ
 -2.4pp 4.1% 4.7% 5.0% 43%

Capital

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 22.1% 19.7% n/a
Leverage Ratio 12.9%
0.0pp YoY
+0.1pp QoQ
 +0.8pp 12.2% 12.9% 12.6% 74%
Total Capital Ratio n/a n/a 19.9% 23.2% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Full-Time Employees 43
-1 (-2.3%) YoY
-1 (-2.3%) QoQ
 -16 58 2,433 482 45%
Assets per Employee ($) $5.5M
+2.2% YoY
-0.5% QoQ
 -$2.0M $7.5M $7.6M $8.8M 23%
Branch Count 2
0 YoY
0 QoQ
 -3 4 81 18 11%

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% 2%
Allowance Coverage 144.80x
+863.1% YoY
+18.0% QoQ
 +120.65x 24.15x 18.95x 20.23x 98%
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.1% 0.1% 0.2% 8%

Profitability

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
ROE 5.8%
+1.3pp YoY
+0.5pp QoQ
 -6.3pp 12.2% 9.7% 11.6% 16%
Cost of Funds (YTD) 1.8%
+0.1pp YoY
0.0pp QoQ
 +0.1pp 1.7% 1.7% 1.7% 56%
Net Income ($, YTD) $871,000
+38.9% YoY
— QoQ
 -$1.7M $2.6M $259.3M $40.4M 23%

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 (3)

Deposit Outflow

decline
#52 of 535 • Bottom 9.5% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally
→ Stable +31 banks QoQ

Flatlined Growth

risk
#79 of 529 • Bottom 14.7% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 0.71%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 banks QoQ

Efficiency Drag

risk
#143 of 361 • Bottom 39.3% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature
Efficiency Ratio: 80.92%
(Tier: 64.48%, National: 70.05%)
worse than tier avg
361 of 361 Community banks match · 426 nationally
↓ Shrinking -64 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 (3 metrics)

344
Nonperforming Asset Ratio
credit_quality
Value: 0.01%
Peer Median: 0.67%
#344 of 2643 Top 13.0% in $100M-$1B
364
Delinquency Rate
credit_quality
Value: 0.01%
Peer Median: 0.92%
#364 of 2633 Top 13.8% in $100M-$1B
568
Non-Interest-Bearing Deposit Share
funding
Value: 28.78%
Peer Median: 22.03%
#568 of 2643 Top 21.5% in $100M-$1B

Top Weaknesses (3 metrics)

2309
Efficiency Ratio
profitability
Value: 80.92%
Peer Median: 64.48%
#2309 of 2643 Bottom 12.7% in $100M-$1B
2127
Return on Assets
profitability
Value: 0.71%
Peer Median: 1.32%
#2127 of 2643 Bottom 19.6% in $100M-$1B
2085
Non-Interest Income / Assets
revenue_mix
Value: 0.11%
Peer Median: 0.57%
#2085 of 2643 Bottom 21.2% in $100M-$1B
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