| Metric | Buckeye State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +13.6% | +4.9% | +8.7 pts |
| Deposit growth (YoY) | +11.2% | +4.3% | +6.9 pts |
| Loan growth (YoY) | +13.3% | +5.3% | +8.0 pts |
| ROA | 0.53% | 1.28% | -0.7 pts |
| ROE | 5.7% | 12.4% | -6.8 pts |
ROA ranks in the 11th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $569.2M | $474.2M | $345.2M | $53.4M | $1.5M | 0.53% | 3.39% | 0.18% |
| Q1 2026 | $548.4M | $465.7M | $327.9M | $51.9M | $708K | 0.51% | 3.35% | 0.15% |
| Q4 2025 | $554.8M | $476.6M | $332.4M | $51.4M | $2.6M | 0.52% | 3.50% | 0.11% |
| Q3 2025 | $508.6M | $432.3M | $315.4M | $49.9M | $1.8M | 0.49% | 3.51% | 0.13% |
| Q2 2025 | $501.2M | $426.4M | $304.5M | $48.6M | $1.3M | 0.53% | 3.47% | 0.03% |
| Q1 2025 | $472.4M | $397.1M | $291.2M | $47.6M | $493K | 0.42% | 3.46% | 0.03% |
| Q4 2024 | $473.5M | $387.8M | $284.3M | $43.7M | $2.3M | 0.49% | 3.15% | 0.10% |
| Q3 2024 | $472.9M | $383.5M | $266.5M | $45.4M | $2.0M | 0.59% | 3.26% | 0.08% |
Loan mix (Q2 2026): real estate $297.7M · commercial $32.9M · consumer $15.0M · securities $158.9M
| Ratio | Buckeye State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.53% | 1.28% | 11th | |
Return on equity Annualized net income ÷ equity or net worth | 5.7% | 12.4% | 14th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.39% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.3% | 61.2% | 85th |
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 State 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 State 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 State 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 State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.