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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.10% | 0.62% | 0.41% | 0.66% | 0.62% | 0.79% | 0.64% | 0.79% | +13 bps | |
| Return on Equity | 0.85% | 5.21% | 3.47% | 5.52% | 5.16% | 6.56% | 5.35% | 6.35% | +83 bps | |
| Net Interest Margin | 3.54% | 3.76% | 3.77% | 3.81% | 3.81% | 3.99% | 3.89% | 4.07% | +25 bps | |
| Efficiency Ratio | 95.18% | 85.01% | 86.12% | 82.37% | 80.65% | 76.58% | 83.61% | 78.36% | -401 bps | |
| Non-Interest Burden | 3.36% | 3.16% | 3.22% | 3.10% | 3.02% | 3.00% | 3.21% | 3.14% | +5 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% | -0.32% | -0.01% | -0.01% | -0.07% | -0.07% | -0.04% | -0.01% | 0 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 | |