Powell, OH · Cert 2286 · Buckeye State Bancshares Inc.
State charter, non-member · FDIC · 6 branches
Q2 2026
Market Position · Columbus, OH · 2026 SOD (annual) · 0.3% share · #21 of 53 inst. · $0.3B of $124.6B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.65% | 0.41% | 0.61% | 0.51% | 0.55% | -10 bps | |
| Return on Equity | 6.57% | 4.20% | 6.39% | 5.48% | 5.88% | -69 bps | |
| Net Interest Margin | 3.22% | 3.34% | 3.42% | 3.17% | 3.14% | -8 bps | |
| Efficiency Ratio | 79.54% | 79.12% | 86.78% | 77.08% | 75.49% | -405 bps | |
| Non-Interest Burden | 2.40% | 2.50% | 2.85% | 2.31% | 2.31% | -9 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.41% | 7.55% | 17.16% | 16.09% | 13.59% | +617 bps | |
| Loan Growth (YoY) | 20.80% | 18.33% | 16.99% | 12.65% | 13.37% | -743 bps | |
| Deposit Growth (YoY) | 11.17% | 12.72% | 22.89% | 17.26% | 11.22% | +5 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.04% | 0.19% | 0.17% | 0.24% | 0.30% | +26 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.04% | 0.08% | 0.18% | 0.05% | +4 bps | |
| Allowance / Loans | 0.87% | 0.88% | 0.88% | 0.90% | 0.89% | +2 bps | |
| Allowance Coverage of NPLs | 21.4x | 4.6x | 5.3x | 3.7x | 3.0x | -18.4x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.98% | 8.94% | 8.71% | 8.46% | 8.16% | -82 bps | |
| Total Risk-Based Capital | 13.21% | 13.35% | 12.66% | 12.75% | 12.17% | -104 bps | |
| Equity / Assets | 9.70% | 9.81% | 9.27% | 9.46% | 9.38% | -32 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 72.05% | 73.61% | 70.37% | 71.05% | 73.44% | +139 bps | |
| Liquid Assets / Assets | 4.08% | 0.75% | 0.83% | 1.00% | 0.68% | -340 bps | |
| CRE / Total Capital | n/a | 424% | 456% | 437% | n/a | n/a | |