Killbuck, OH · Cert 11860 · Killbuck Bancshares Inc.
State charter, Fed member · FED · 12 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.99% | 1.17% | 0.95% | 1.24% | 1.18% | 1.24% | 1.00% | 1.26% | +2 bps | |
| Return on Equity | 14.31% | 16.73% | 13.55% | 16.35% | 14.43% | 14.70% | 11.88% | 15.01% | -134 bps | |
| Net Interest Margin | 2.97% | 2.94% | 3.00% | 3.10% | 3.26% | 3.33% | 3.27% | 3.37% | +27 bps | |
| Efficiency Ratio | 58.64% | 55.48% | 64.02% | 59.15% | 59.21% | 56.89% | 64.72% | 57.36% | -178 bps | |
| Non-Interest Burden | 1.56% | 1.42% | 1.78% | 1.57% | 1.74% | 1.71% | 1.97% | 1.76% | +19 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.03% | 3.93% | 5.84% | 4.52% | 2.03% | 4.03% | 5.96% | 7.37% | +285 bps | |
| Loan Growth (YoY) | 4.93% | 4.95% | 7.41% | 6.50% | 7.80% | 12.22% | 11.81% | 15.15% | +865 bps | |
| Deposit Growth (YoY) | 3.59% | 5.55% | 6.74% | 5.77% | 3.55% | 3.60% | 6.88% | 6.94% | +117 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.08% | 0.06% | 0.02% | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0 bps | |
| Net Charge-Offs / Loans | 0.24% | 0.01% | 0.01% | -0.01% | 0.01% | 0.01% | 0.00% | 0.00% | +1 bps | |
| Allowance / Loans | 0.91% | 0.93% | 0.89% | 0.90% | 0.90% | 0.88% | 0.85% | 0.85% | -5 bps | |
| Allowance Coverage of NPLs | 12.1x | 14.3x | 47.1x | 61.9x | 67.0x | 73.2x | 76.1x | 84.1x | +22.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.01% | 8.79% | 9.07% | 9.39% | 9.69% | 9.56% | 9.59% | 9.49% | +10 bps | |
| Total Risk-Based Capital | 13.77% | 13.84% | 13.68% | 13.95% | 14.33% | 13.86% | 13.96% | 13.73% | -22 bps | |
| Equity / Assets | 7.24% | 6.78% | 7.25% | 7.96% | 8.43% | 8.44% | 8.35% | 8.41% | +46 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 69.90% | 68.61% | 73.38% | 72.86% | 72.78% | 74.31% | 76.77% | 78.46% | +560 bps | |
| Liquid Assets / Assets | 8.58% | 8.28% | 8.73% | 8.23% | 8.41% | 8.13% | 7.72% | 7.87% | -36 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 208% | 214% | 218% | n/a | n/a | |