Elyria, OH · Cert 35101 · Buckeye Bancshares Inc.
State charter, Fed member · FED · 2 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
50
Asset Quality
77
Profitability
37
Liquidity
44
Efficiency
16
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.
Elyria, OH · Cert 35101 · Buckeye Bancshares Inc.
State charter, Fed member · FED · 2 branches
Q2 2026
Market Position · Cleveland, OH · 2026 SOD (annual) · 0.2% share · #21 of 35 inst. · $0.2B of $136.4B
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 | 0.36% | 0.42% | 0.41% | 0.54% | 0.56% | 0.62% | 0.64% | 0.71% | +18 bps | |
| Return on Equity | 2.96% | 3.54% | 3.47% | 4.51% | 4.73% | 5.21% | 5.35% | 5.85% | +134 bps | |
| Net Interest Margin | 3.59% | 3.54% | 3.77% | 3.74% | 3.70% | 3.71% | 3.89% | 3.97% | +23 bps | |
| Efficiency Ratio | 90.43% | 89.00% | 86.12% | 84.20% | 82.98% | 81.27% | 83.61% | 80.92% | -328 bps | |
| Non-Interest Burden | 3.23% | 3.13% | 3.22% | 3.11% | 3.03% | 2.97% | 3.21% | 3.17% | +6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.52% | 6.19% | 3.75% | 7.36% | 5.66% | 5.87% | 6.26% | -0.08% | -744 bps | |
| Loan Growth (YoY) | 7.87% | 6.83% | 3.67% | 6.61% | 6.95% | 10.41% | 7.63% | 2.87% | -374 bps | |
| Deposit Growth (YoY) | 1.45% | 6.39% | 3.68% | 7.78% | 5.81% | 5.75% | 6.39% | -0.89% | -867 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.10% | 0.02% | 0.03% | 0.08% | 0.02% | 0.01% | 0.01% | 0.01% | -7 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.09% | -0.01% | -0.01% | -0.03% | -0.04% | -0.04% | -0.03% | -2 bps | |
| Allowance / Loans | 1.20% | 1.21% | 1.23% | 1.17% | 1.17% | 1.15% | 1.16% | 1.16% | 0 bps | |
| Allowance Coverage of NPLs | 12.1x | 51.0x | 35.1x | 15.0x | 73.0x | 89.8x | 122.7x | 144.8x | +129.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.16% | 12.71% | 13.15% | 12.92% | 12.79% | 12.53% | 12.82% | 12.94% | +2 bps | |
| Total Risk-Based Capital | 17.41% | 17.34% | 17.44% | 17.23% | 17.07% | 16.50% | 16.90% | 12.94% | -429 bps | |
| Equity / Assets | 12.19% | 11.64% | 12.10% | 11.89% | 12.10% | 11.87% | 12.12% | 12.70% | +81 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.05% | 86.23% | 88.20% | 87.21% | 89.00% | 90.02% | 89.22% | 90.52% | +330 bps | |
| Liquid Assets / Assets | 2.21% | 5.39% | 3.32% | 4.55% | 4.57% | 4.74% | 4.82% | 4.06% | -49 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 376% | 392% | 377% | n/a | n/a | |
Elyria, OH · Cert 35101 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Buckeye Bancshares Inc.
State charter, Fed member · FED · 2 branches
Q2 2026
Return on Assets
0.73%
Rank 553 of 746
Net Interest Margin
3.97%
Rank 258 of 746
Efficiency Ratio
80.92%
Rank 629 of 746
Equity / Assets
12.70%
Rank 207 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.73% | 0.72% | 1.06% | 1.45% | Beats 26% | 553 / 746 | ||
| Return on Equity | 5.76% | 6.74% | 10.51% | 13.63% | Beats 21% | 591 / 746 | ||
| Net Interest Margin | 3.97% | 3.17% | 3.68% | 4.16% | Beats 65% | 258 / 746 | ||
| Efficiency Ratio | 80.92% | 55.74% | 64.58% | 75.47% | Beats 16% | 629 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.01% | 0.09% | 0.42% | 1.07% | Beats 84% | 122 / 743 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 69% | 236 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.94% | 11.55% | 13.75% | 17.60% | Beats 41% | 438 / 746 | ||
| Total Risk-Based Capital Ratio | 12.94% | 11.71% | 14.33% | 18.43% | Beats 36% | 476 / 746 | ||
| Equity / Assets | 12.70% | 8.90% | 10.51% | 13.06% | Beats 72% | 207 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 90.52% | 61.31% | 78.27% | 90.78% | 74th pctl | 193 / 746 | ||
| Loans / Assets | 78.49% | 53.60% | 66.97% | 76.08% | 81st pctl | 145 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||