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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.54% | 0.56% | 0.62% | 0.64% | 0.71% | +18 bps | |
| Return on Equity | 4.51% | 4.73% | 5.21% | 5.35% | 5.85% | +134 bps | |
| Net Interest Margin | 3.74% | 3.70% | 3.71% | 3.89% | 3.97% | +23 bps | |
| Efficiency Ratio | 84.20% | 82.98% | 81.27% | 83.61% | 80.92% | -328 bps | |
| Non-Interest Burden | 3.11% | 3.03% | 2.97% | 3.21% | 3.17% | +6 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.36% | 5.66% | 5.87% | 6.26% | -0.08% | -744 bps | |
| Loan Growth (YoY) | 6.61% | 6.95% | 10.41% | 7.63% | 2.87% | -374 bps | |
| Deposit Growth (YoY) | 7.78% | 5.81% | 5.75% | 6.39% | -0.89% | -867 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.08% | 0.02% | 0.01% | 0.01% | 0.01% | -7 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.03% | -0.04% | -0.04% | -0.03% | -2 bps | |
| Allowance / Loans | 1.17% | 1.17% | 1.15% | 1.16% | 1.16% | 0 bps | |
| Allowance Coverage of NPLs | 15.0x | 73.0x | 89.8x | 122.7x | 144.8x | +129.8x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 12.92% | 12.79% | 12.53% | 12.82% | 12.94% | +2 bps | |
| Total Risk-Based Capital | 17.23% | 17.07% | 16.50% | 16.90% | 12.94% | -429 bps | |
| Equity / Assets | 11.89% | 12.10% | 11.87% | 12.12% | 12.70% | +81 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 87.21% | 89.00% | 90.02% | 89.22% | 90.52% | +330 bps | |
| Liquid Assets / Assets | 4.55% | 4.57% | 4.74% | 4.82% | 4.06% | -49 bps | |
| CRE / Total Capital | n/a | 376% | 392% | 377% | n/a | n/a | |