| Metric | Buckeye Community Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.1% | +4.4% | -4.4 pts |
| Deposit growth (YoY) | -0.9% | +4.0% | -4.8 pts |
| Loan growth (YoY) | +2.9% | +5.6% | -2.7 pts |
| ROA | 0.71% | 1.24% | -0.5 pts |
| ROE | 5.8% | 11.9% | -6.0 pts |
ROA ranks in the 21st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $238.3M | $206.6M | $184.8M | $30.3M | $871K | 0.71% | 4.31% | 0.01% |
| Q1 2026 | $245.1M | $214.0M | $188.7M | $29.7M | $395K | 0.64% | 4.14% | 0.01% |
| Q4 2025 | $247.6M | $216.8M | $192.9M | $29.4M | $1.5M | 0.62% | 4.15% | 0.01% |
| Q3 2025 | $240.8M | $209.9M | $184.6M | $29.1M | $998K | 0.56% | 4.10% | 0.01% |
| Q2 2025 | $238.4M | $208.4M | $179.7M | $28.3M | $627K | 0.54% | 4.07% | 0.06% |
| Q1 2025 | $230.6M | $201.1M | $175.2M | $27.9M | $239K | 0.41% | 4.02% | 0.03% |
| Q4 2024 | $233.9M | $205.0M | $174.6M | $27.2M | $957K | 0.42% | 4.00% | 0.02% |
| Q3 2024 | $227.9M | $198.4M | $172.6M | $27.8M | $599K | 0.36% | 3.97% | 0.08% |
Loan mix (Q2 2026): real estate $138.4M · commercial $45.4M · consumer $3.1M · securities $24.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Buckeye Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.71% | 1.24% | 21th | |
Return on equity Annualized net income ÷ equity or net worth | 5.8% | 11.9% | 17th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.31% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.9% | 62.9% | 86th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Buckeye Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Buckeye Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Buckeye Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Buckeye Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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