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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Powell, OH · FDIC certificate #2286
BUCKEYE STATE BANK is an FDIC-insured institution based in Powell, OH (FDIC certificate #2286). In its Q3 2026 Call Report it reported total assets of $599M, total deposits of $480M and net loans of $355M. Its primary federal regulator is FDIC.
Plain-language readout
BUCKEYE STATE BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $599M in Q3 2026 and were lowest at $548M in Q1 2026.
Total deposits were highest at $480M in Q3 2026 and lowest at $466M in Q1 2026.
Over the whole period total assets rose 9.2%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $599M | $480M | $355M | 1.76% | 19.27% | 3.32% |
| Q2 2026 | $569M | $474M | $345M | 0.53% | 5.67% | 3.39% |
| Q1 2026 | $548M | $466M | $328M | 0.51% | 5.48% | 3.35% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $4.7M | $6.5M | -$1.9M | -28.3% |
| Federal funds sold | $835K | $3.4M | -$2.6M | -75.5% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $158.9M | $152.7M | +$6.2M | +4.1% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $3.7M | $0K | +$3.7M | n/a |
| Net loans and leases (after allowance) | $341.4M | $327.9M | +$13.5M | +4.1% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $26.1M | $25.7M | +$424K | +1.7% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $13.3M | $13.4M | -$67K | -0.5% |
| All other assets | $20.3M | $18.8M | +$1.4M | +7.6% |
| Total assets | $569.2M | $548.4M | +$20.8M | +3.8% |
| Liabilities | ||||
| Total deposits | $474.2M | $465.7M | +$8.5M | +1.8% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $35.1M | $24.6M | +$10.4M | +42.3% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $6.6M | $6.2M | +$334K | +5.4% |
| Total liabilities | $515.8M | $496.6M | +$19.3M | +3.9% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $2.1M | $2.1M | $0K | 0.0% |
| Surplus | $45.2M | $45.2M | $0K | 0.0% |
| Retained earnings | $12.3M | $11.5M | +$773K | +6.7% |
| Accumulated other comprehensive income | -$6.2M | -$7.0M | +$780K | +11.1% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $53.4M | $51.9M | +$1.6M | +3.0% |
| Credit and capital | ||||
| Gross nonperforming assets | $1.0M | $804K | +$225K | +28.0% |
| Adjusted nonperforming assets | $1.0M | $804K | +$225K | +28.0% |
| Tangible equity plus allowance | $43.2M | $41.4M | +$1.7M | +4.2% |
| Texas ratio (gross) | 2.38% | 1.94% | +0.44 pts | See points |
| Texas ratio (adjusted) | 2.38% | 1.94% | +0.44 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 2.38% | 1.94% | +0.44 pts | See points |
| Tier 1 capital to risk-weighted assets | 11.36% | 11.91% | -0.55 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 11.36% | 11.91% | -0.55 pts | See points |
| Tier 2 capital to risk-weighted assets | 0.81% | 0.83% | -0.03 pts | See points |
| Total risk-based capital to risk-weighted assets | 12.17% | 12.75% | -0.58 pts | See points |
| Tier 1 leverage (approximate) | 8.16% | 8.46% | -0.30 pts | See points |
| Construction and land loans to total capital | 52.89% | 53.72% | -0.84 pts | See points |
| Commercial real estate to total capital | 280.06% | 297.21% | -17.15 pts | See points |
| Dividend payout, year to date | 0.00% | 0.00% | 0.00 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -17.78% | -20.57% | +2.79 pts | See points |
| Liquidity | ||||
| Core deposits | $426.4M | $430.3M | -$3.9M | -0.9% |
| Non-core funding | $82.9M | $60.1M | +$22.8M | +38.0% |
| Loans to core deposits | 80.80% | 76.90% | +3.90 pts | See points |
| Loans to deposits | 72.65% | 71.05% | +1.60 pts | See points |
| Brokered deposits share of deposits | 5.71% | 2.21% | +3.49 pts | See points |
| Pledged securities share of securities | 57.65% | 51.64% | +6.01 pts | See points |
| Loans pledged, share of loans | 75.71% | 84.09% | -8.38 pts | See points |
| Volatile liabilities | $94.0M | $71.2M | +$22.8M | +32.0% |
| Earnings | ||||
| Earnings before provision, year to date | $2.1M | $1.0M | +$1.1M | +101.9% |
| Earnings before provision, single quarter | $1.1M | $1.0M | +$20K | +1.9% |
| Provision for credit losses, year to date | $331K | $172K | +$159K | +92.4% |
| Yield and cost | ||||
| Yield on loans and leases | 6.29% | 6.55% | -0.26 pts | See points |
| Yield on interest-bearing balances due from banks | 1.70% | 1.03% | +0.67 pts | See points |
| Total interest income to average assets | 5.02% | 5.15% | -0.13 pts | See points |
| Cost of interest-bearing transaction accounts | 1.86% | 2.19% | -0.33 pts | See points |
| Cost of savings and money market deposits | 2.59% | 2.16% | +0.43 pts | See points |
| Cost of time deposits | 3.48% | 3.72% | -0.24 pts | See points |
| Total interest expense to average assets | 2.14% | 2.07% | +0.08 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $599M | $480M | $355M | 1.76% | 19.27% | 3.32% |
| 2026-06-30 | $569M | $474M | $345M | 0.53% | 5.67% | 3.39% |
| 2026-03-31 | $548M | $466M | $328M | 0.51% | 5.48% | 3.35% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| OH | $426.4M | 0.08% | 67 | Continuing · +0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.