The Killbuck Savings Bank Company
Total assets
$953.8M
▲ +7.4% YoY
Deposits
$798.4M
▲ +6.9% YoY
Loans
$621.1M
▲ +15.2% YoY
Offices
13
KILLBUCK BANCSHARES INC
ROA (annualized)
1.13%
peers 1.28%
ROE (annualized)
13.46%
peers 12.44%
Peer comparison 748 banks with 500M-1B in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.4% | +4.9% | +2.5 pts |
| Deposit growth (YoY) | +6.9% | +4.3% | +2.6 pts |
| Loan growth (YoY) | +15.2% | +5.3% | +9.9 pts |
| ROA | 1.13% | 1.28% | -0.1 pts |
| ROE | 13.5% | 12.4% | +1.0 pts |
ROA ranks in the 40th percentile of its peer group · Q2 2026
Profile
- Established
- 1900
- Charter
- State
- Primary regulator
- FED
- Holding company
- KILLBUCK BANCSHARES INC
- Specialization
- Commercial Lending Specialization
- Address
- 165 N Main St, Killbuck, OH, 44637
- County
- Holmes
- Offices
- 13
- FDIC cert #
- 11860
- RSSD ID
- 1017425
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $953.8M | $798.4M | $621.1M | $80.3M | $5.3M | 1.13% | 3.56% | 0.01% |
| Q1 2026 | $941.2M | $788.7M | $600.3M | $78.6M | $2.3M | 1.00% | 3.49% | 0.01% |
| Q4 2025 | $914.5M | $774.9M | $570.8M | $77.1M | $10.3M | 1.15% | 3.37% | 0.01% |
| Q3 2025 | $885.1M | $753.7M | $543.5M | $74.6M | $7.5M | 1.13% | 3.31% | 0.01% |
| Q2 2025 | $888.3M | $746.6M | $539.1M | $70.7M | $4.9M | 1.10% | 3.23% | 0.01% |
| Q1 2025 | $888.3M | $737.9M | $536.7M | $64.4M | $2.1M | 0.95% | 3.16% | 0.01% |
| Q4 2024 | $879.2M | $748.0M | $508.4M | $59.6M | $8.8M | 1.02% | 3.11% | 0.04% |
| Q3 2024 | $867.6M | $727.8M | $504.2M | $62.8M | $6.2M | 0.97% | 3.09% | 0.04% |
Loan mix (Q2 2026): real estate $543.7M · commercial $76.6M · consumer $2.4M · securities $248.0M
Ratio pack Q2 2026 · peer medians from 748 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.13% | 1.28% | 40th | |
Return on equity Annualized net income ÷ equity or net worth | 13.5% | 12.4% | 57th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.56% | 3.89% | 32th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.9% | 61.2% | 49th | |
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% |
Balance sheet
| Ratio | Value | 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% |
Capital
| Ratio | Value | 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% |
Credit quality
| Ratio | Value | 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% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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