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Killbuck Savings Bank Company, The

Killbuck, OH · Cert 11860 · Killbuck Bancshares Inc.

State charter, Fed member · FED · 12 branches

Q2 2026

$953.8MAssets
$626.4MLoans
$798.4MDeposits
$80.3MEquity
Loan mix
88%RE $527.2M12%C&I $71.2M0%Consumer $2.8MQ2 2025Q2 2026
Deposit mix
84%Interest-bearing $671.8M16%Noninterest $126.6MQ2 2025Q2 2026

NIM

4.45%Q2 ’244.68%Q2 ’254.84%Q2 ’26+9%+9%

Non-interest income vs. expense

2.01%Q2 ’242.21%Q2 ’252.17%Q2 ’26-2%+12%

Executive Summary

  • Earnings: ROA of 1.26%, up 2 bps year over year; NIM at 3.37%.
  • Asset quality: problem loans at 0.01% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.49%, up 10 bps from a year ago.
  • Funding: loans stand at 78.46% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.26%+2 bps YoY

Net Interest Margin (quarter, annualized)

3.37%+27 bps YoY

Efficiency Ratio (quarter, annualized)

57.36%-178 bps YoY

Tier 1 Leverage Ratio

9.49%+10 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.24%1.18%1.24%1.00%1.26%+2 bps
Return on Equity16.35%14.43%14.70%11.88%15.01%-134 bps
Net Interest Margin3.10%3.26%3.33%3.27%3.37%+27 bps
Efficiency Ratio59.15%59.21%56.89%64.72%57.36%-178 bps
Non-Interest Burden1.57%1.74%1.71%1.97%1.76%+19 bps
Growth
Asset Growth (YoY)4.52%2.03%4.03%5.96%7.37%+285 bps
Loan Growth (YoY)6.50%7.80%12.22%11.81%15.15%+865 bps
Deposit Growth (YoY)5.77%3.55%3.60%6.88%6.94%+117 bps
Asset Quality
Nonperforming Loans / Loans0.01%0.01%0.01%0.01%0.01%0 bps
Net Charge-Offs / Loans-0.01%0.01%0.01%0.00%0.00%+1 bps
Allowance / Loans0.90%0.90%0.88%0.85%0.85%-5 bps
Allowance Coverage of NPLs61.9x67.0x73.2x76.1x84.1x+22.1x
Capital
Tier 1 Leverage Ratio9.39%9.69%9.56%9.59%9.49%+10 bps
Total Risk-Based Capital13.95%14.33%13.86%13.96%13.73%-22 bps
Equity / Assets7.96%8.43%8.44%8.35%8.41%+46 bps
Liquidity & Funding
Loans / Deposits72.86%72.78%74.31%76.77%78.46%+560 bps
Liquid Assets / Assets8.23%8.41%8.13%7.72%7.87%-36 bps
CRE / Total Capitaln/a208%214%218%n/an/a