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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 $2.8MQ3 2024Q2 2026
Deposit mix
84%Interest-bearing $671.8M16%Noninterest $126.6MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.13%, up 3 bps year over year; NIM at 3.29%.
  • 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.

Return on Assets (YTD, annualized)

1.13%+3 bps YoY

Net Interest Margin (YTD, annualized)

3.29%+26 bps YoY

Efficiency Ratio (YTD, annualized)

60.94%-50 bps YoY

Tier 1 Leverage Ratio

9.49%+10 bps YoY

NIM

4.33%Q2 ’244.60%Q2 ’254.74%Q2 ’26+6%+8%

Non-interest income vs. expense

2.04%Q2 ’242.17%Q2 ’252.24%Q2 ’26+1%+11%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.97%1.02%0.95%1.10%1.13%1.15%1.00%1.13%+3 bps
Return on Equity14.36%15.11%13.55%14.98%14.82%14.82%11.88%13.46%-152 bps
Net Interest Margin2.90%2.84%3.00%3.03%3.11%3.10%3.27%3.29%+26 bps
Efficiency Ratio61.66%60.03%64.02%61.44%60.67%59.68%64.72%60.94%-50 bps
Non-Interest Burden1.63%1.54%1.78%1.66%1.69%1.66%1.97%1.84%+18 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 / Loans0.08%0.06%0.02%0.01%0.01%0.01%0.01%0.01%0 bps
Net Charge-Offs / Loans0.08%0.06%0.01%0.00%0.01%0.01%0.00%0.00%0 bps
Allowance / Loans0.91%0.93%0.89%0.90%0.90%0.88%0.85%0.85%-5 bps
Allowance Coverage of NPLs12.1x14.3x47.1x61.9x67.0x73.2x76.1x84.1x+22.1x
Capital
Tier 1 Leverage Ratio9.01%8.79%9.07%9.39%9.69%9.56%9.59%9.49%+10 bps
Total Risk-Based Capital13.77%13.84%13.68%13.95%14.33%13.86%13.96%13.73%-22 bps
Equity / Assets7.24%6.78%7.25%7.96%8.43%8.44%8.35%8.41%+46 bps
Liquidity & Funding
Loans / Deposits69.90%68.61%73.38%72.86%72.78%74.31%76.77%78.46%+560 bps
Liquid Assets / Assets8.58%8.28%8.73%8.23%8.41%8.13%7.72%7.87%-36 bps
CRE / Total Capitaln/an/an/an/a208%214%218%n/an/a