| Metric | Buckley State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.4% | +3.0% | -4.4 pts |
| Deposit growth (YoY) | -2.2% | +2.5% | -4.7 pts |
| Loan growth (YoY) | -9.8% | +2.6% | -12.4 pts |
| ROA | 0.65% | 0.99% | -0.3 pts |
| ROE | 5.1% | 8.1% | -3.0 pts |
ROA ranks in the 33rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $49.0M | $42.7M | $31.6M | $6.3M | $160K | 0.65% | 4.84% | 1.17% |
| Q1 2026 | $50.5M | $44.2M | $30.5M | $6.3M | $51K | 0.41% | 4.73% | 1.69% |
| Q4 2025 | $48.6M | $42.3M | $33.4M | $6.3M | $549K | 1.12% | 5.03% | 1.95% |
| Q3 2025 | $49.2M | $43.0M | $36.0M | $6.2M | $477K | 1.29% | 4.99% | 1.51% |
| Q2 2025 | $49.7M | $43.6M | $35.0M | $6.0M | $344K | 1.40% | 4.97% | 1.25% |
| Q1 2025 | $48.5M | $42.5M | $31.9M | $6.0M | $223K | 1.82% | 5.12% | 1.52% |
| Q4 2024 | $49.6M | $43.4M | $34.7M | $5.7M | $493K | 0.96% | 4.75% | 1.01% |
| Q3 2024 | $50.5M | $44.7M | $32.0M | $5.7M | $435K | 1.12% | 4.66% | 0.01% |
Loan mix (Q2 2026): real estate $14.0M · commercial $6.4M · consumer $1.1M · securities $8.9M
| Ratio | Buckley State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.65% | 0.99% | 33rd | |
Return on equity Annualized net income ÷ equity or net worth | 5.1% | 8.1% | 33rd | |
Net interest margin Interest income − interest expense, ÷ assets | 4.84% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 36.2% | 70.8% | 2nd |
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 | Buckley 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 | Buckley State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Buckley 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 | Buckley 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 | Buckley 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.
Buckley State Bank is in an open deal as the target: Agricultural Banking Corporation to acquire Buckley State Bank (approved). Vendor decisions typically freeze until closing; the acquirer inherits the contracts.
| Date | Role | Counterparty | Kind | Status | Regulator |
|---|---|---|---|---|---|
| Oct 1, 2026 | Target | Agricultural Banking Corporation | Acquisition | Approved | Federal Reserve |
| Oct 1, 2026 | Target | Agricultural Banking Corporation | Merger | Approved | Federal Reserve |
Technology spend in line with peers (32 bps of assets, 2025). Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).
1 branches in 1 county across 1 state (+0 vs 2025) · $42.7M branch deposits. Biggest market: Iroquois, IL, ranked 8th with 3.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Iroquois, IL | 1 | $42.7M | 3.74% | 8th |
Illinois: 442nd with 0.01% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1