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Buckeye State Bank

Powell, OH · Cert 2286 · Buckeye State Bancshares Inc.

State charter, non-member · FDIC · 6 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

28

Q2 2024Q2 2026peer median (50)

Asset Quality

41

Q2 2024Q2 2026peer median (50)

Profitability

19

Q2 2024Q2 2026peer median (50)

Liquidity

85

Q2 2024Q2 2026peer median

Efficiency

22

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Buckeye State Bank

Powell, OH · Cert 2286 · Buckeye State Bancshares Inc.

State charter, non-member · FDIC · 6 branches

Q2 2026

$569.2MAssets
$348.2MLoans
$474.2MDeposits
$53.4MEquity
Loan mix
89%RE $292.5M10%C&I $32.2M2%Consumer $5.4MQ3 2024Q2 2026
Deposit mix
85%Interest-bearing $401.5M15%Noninterest $72.7MQ3 2024Q2 2026

Market Position · Columbus, OH · 2026 SOD (annual) · 0.3% share · #21 of 53 inst. · $0.3B of $124.6B

4.0% Delaware
2.3% Wood
3.5% Ross
0.0% Franklin

Executive Summary

  • Earnings: ROA of 0.53%, unchanged from a year ago; NIM at 3.07%.
  • Asset quality: problem loans at 0.30% of loans (+26 bps YoY), with net charge-offs at 0.11%.
  • Capital: tier 1 leverage ratio of 8.16%, down 82 bps from a year ago.
  • Funding: loans stand at 73.44% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.53%0 bps YoY

Net Interest Margin (YTD, annualized)

3.07%-8 bps YoY

Efficiency Ratio (YTD, annualized)

76.29%-381 bps YoY

Tier 1 Leverage Ratio

8.16%-82 bps YoY

NIM

4.98%Q2 ’245.01%Q2 ’255.04%Q2 ’26+15%-2%

Non-interest income vs. expense

2.53%Q2 ’242.78%Q2 ’252.53%Q2 ’26+20%-6%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.59%0.49%0.42%0.53%0.49%0.52%0.51%0.53%0 bps
Return on Equity6.32%5.27%4.32%5.50%5.06%5.41%5.48%5.67%+17 bps
Net Interest Margin2.90%2.80%3.19%3.15%3.17%3.16%3.17%3.07%-8 bps
Efficiency Ratio76.83%80.13%80.69%80.09%79.75%81.62%77.08%76.29%-381 bps
Non-Interest Burden2.05%2.07%2.45%2.38%2.39%2.46%2.31%2.25%-13 bps
Growth
Asset Growth (YoY)13.01%10.29%4.84%7.41%7.55%17.16%16.09%13.59%+617 bps
Loan Growth (YoY)11.78%18.79%19.83%20.80%18.33%16.99%12.65%13.37%-743 bps
Deposit Growth (YoY)25.24%21.18%7.14%11.17%12.72%22.89%17.26%11.22%+5 bps
Asset Quality
Nonperforming Loans / Loans0.15%0.16%0.05%0.04%0.19%0.17%0.24%0.30%+26 bps
Net Charge-Offs / Loans0.02%0.05%0.04%0.03%0.03%0.04%0.18%0.11%+9 bps
Allowance / Loans0.90%0.82%0.86%0.87%0.88%0.88%0.90%0.89%+2 bps
Allowance Coverage of NPLs6.2x5.0x16.8x21.4x4.6x5.3x3.7x3.0x-18.4x
Capital
Tier 1 Leverage Ratio8.44%8.47%9.10%8.98%8.94%8.71%8.46%8.16%-82 bps
Total Risk-Based Capital12.18%12.20%12.92%13.21%13.35%12.66%12.75%12.17%-104 bps
Equity / Assets9.60%9.22%10.08%9.70%9.81%9.27%9.46%9.38%-32 bps
Liquidity & Funding
Loans / Deposits70.12%73.92%73.96%72.05%73.61%70.37%71.05%73.44%+139 bps
Liquid Assets / Assets3.90%1.46%1.61%4.08%0.75%0.83%1.00%0.68%-340 bps
CRE / Total Capitaln/an/an/an/a424%456%437%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Buckeye State Bank

Powell, OH · Cert 2286 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Buckeye State Bancshares Inc.

State charter, non-member · FDIC · 6 branches

Q2 2026

$569.2MAssets
$348.2MLoans
$474.2MDeposits
$53.4MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 60% of banks under $1B in assets operating in a single state (rank 301 of 743).
  • Widest gap: return on assets trails 84% of banks under $1B in assets operating in a single state (rank 628 of 746).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

0.52%

Rank 628 of 746

Net Interest Margin

3.07%

Rank 594 of 746

Efficiency Ratio

77.44%

Rank 585 of 746

Equity / Assets

9.38%

Rank 509 of 746

Non-interest income vs. expense

$1.6M$14.3MINCOMEEXPENSE
Unfavorable gap of $12.7M · efficiency ratio beats 22% of banks under $1B in assets operating in a single state
Bank 77.44%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.52%0.72%1.06%1.45%Beats 16%628 / 746
Return on Equity5.55%6.74%10.51%13.63%Beats 20%598 / 746
Net Interest Margin3.07%3.17%3.68%4.16%Beats 20%594 / 746
Efficiency Ratio77.44%55.74%64.58%75.47%Beats 22%585 / 746
Asset Quality
Nonperforming Loans / Loans0.30%0.09%0.42%1.07%Beats 60%301 / 743
Net Charge-Offs / Loans0.06%0.00%0.01%0.05%Beats 22%577 / 743
Capital
Tier 1 Capital Ratio11.36%11.55%13.75%17.60%Beats 23%576 / 746
Total Risk-Based Capital Ratio12.17%11.71%14.33%18.43%Beats 29%526 / 746
Equity / Assets9.38%8.90%10.51%13.06%Beats 32%509 / 746
Liquidity & Funding
Loans / Deposits73.44%61.31%78.27%90.78%41st pctl438 / 746
Loans / Assets61.18%53.60%66.97%76.08%37th pctl467 / 746
Brokered Deposits / Depositsn/aNot reported for this institution