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 (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.59% | 0.49% | 0.42% | 0.53% | 0.49% | 0.52% | 0.51% | 0.53% | 0 bps | |
| Return on Equity | 6.32% | 5.27% | 4.32% | 5.50% | 5.06% | 5.41% | 5.48% | 5.67% | +17 bps | |
| Net Interest Margin | 2.90% | 2.80% | 3.19% | 3.15% | 3.17% | 3.16% | 3.17% | 3.07% | -8 bps | |
| Efficiency Ratio | 76.83% | 80.13% | 80.69% | 80.09% | 79.75% | 81.62% | 77.08% | 76.29% | -381 bps | |
| Non-Interest Burden | 2.05% | 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 / Loans | 0.15% | 0.16% | 0.05% | 0.04% | 0.19% | 0.17% | 0.24% | 0.30% | +26 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.05% | 0.04% | 0.03% | 0.03% | 0.04% | 0.18% | 0.11% | +9 bps | |
| Allowance / Loans | 0.90% | 0.82% | 0.86% | 0.87% | 0.88% | 0.88% | 0.90% | 0.89% | +2 bps | |
| Allowance Coverage of NPLs | 6.2x | 5.0x | 16.8x | 21.4x | 4.6x | 5.3x | 3.7x | 3.0x | -18.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.44% | 8.47% | 9.10% | 8.98% | 8.94% | 8.71% | 8.46% | 8.16% | -82 bps | |
| Total Risk-Based Capital | 12.18% | 12.20% | 12.92% | 13.21% | 13.35% | 12.66% | 12.75% | 12.17% | -104 bps | |
| Equity / Assets | 9.60% | 9.22% | 10.08% | 9.70% | 9.81% | 9.27% | 9.46% | 9.38% | -32 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 70.12% | 73.92% | 73.96% | 72.05% | 73.61% | 70.37% | 71.05% | 73.44% | +139 bps | |
| Liquid Assets / Assets | 3.90% | 1.46% | 1.61% | 4.08% | 0.75% | 0.83% | 1.00% | 0.68% | -340 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 424% | 456% | 437% | n/a | n/a | |