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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 0.55%, down 10 bps year over year; NIM at 3.14%.
  • Asset quality: problem loans at 0.30% of loans (+26 bps YoY), with net charge-offs at 0.05%.
  • 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 (quarter, annualized)

0.55%-10 bps YoY

Net Interest Margin (quarter, annualized)

3.14%-8 bps YoY

Efficiency Ratio (quarter, annualized)

75.49%-405 bps YoY

Tier 1 Leverage Ratio

8.16%-82 bps YoY

NIM

5.40%Q2 ’245.13%Q2 ’255.20%Q2 ’26+7%-2%

Non-interest income vs. expense

2.65%Q2 ’242.85%Q2 ’252.52%Q2 ’26+22%-4%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.67%0.20%0.42%0.65%0.41%0.61%0.51%0.55%-10 bps
Return on Equity7.21%2.13%4.32%6.57%4.20%6.39%5.48%5.88%-69 bps
Net Interest Margin3.05%2.56%3.19%3.22%3.34%3.42%3.17%3.14%-8 bps
Efficiency Ratio73.04%91.49%80.69%79.54%79.12%86.78%77.08%75.49%-405 bps
Non-Interest Burden2.07%2.15%2.45%2.40%2.50%2.85%2.31%2.31%-9 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 / Loans0.00%0.13%0.04%0.01%0.04%0.08%0.18%0.05%+4 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