BlastPoint's Banking Scorecard
The Killbuck Savings Bank Company
Community
Specialty: Commercial
OH
FDIC cert 11860
Killbuck, OH
1484
banks in Community tier nationally
45 in OH
View Community leaderboard (OH) →
The Killbuck Savings Bank Company demonstrates 2 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.62% below tier
- + Nonperforming Asset Ratio 0.49% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$914.5M
+4.0% YoY
+3.3% QoQ
|
-$476.9M |
$1.4B
+2.0% YoY
|
$33.1B
+6.9% YoY
|
$5.9B
+6.5% YoY
|
44% |
| Total Loans ? |
$570.8M
+12.3% YoY
+5.0% QoQ
|
-$404.7M |
$975.5M
+2.4% YoY
|
$14.9B
+8.3% YoY
|
$3.1B
+8.5% YoY
|
38% |
| Total Deposits ? |
$774.9M
+3.6% YoY
+2.8% QoQ
|
-$389.7M |
$1.2B
+1.7% YoY
|
$24.6B
+5.7% YoY
|
$4.7B
+6.3% YoY
|
45% |
| Return on Assets ? |
1.15%
+12.8% YoY
+2.3% QoQ
|
-0.01% |
1.16%
+17.2% YoY
|
0.85%
+32.0% YoY
|
1.12%
+15.6% YoY
|
52% |
| Net Interest Margin ? |
3.37%
+8.5% YoY
+1.8% QoQ
|
-0.29% |
3.66%
+9.1% YoY
|
3.56%
+10.4% YoY
|
3.75%
+7.1% YoY
|
35% |
| Efficiency Ratio ? |
59.68%
-0.6% YoY
-1.6% QoQ
|
-2.95% |
62.63%
-5.3% YoY
|
71.79%
-6.6% YoY
|
65.09%
-5.1% YoY
|
58% |
| Delinquency Rate ? |
0.01%
-81.5% YoY
-11.2% QoQ
|
-0.62% |
0.63%
+18.3% YoY
|
0.53%
+11.7% YoY
|
0.66%
+20.3% YoY
|
Top 6% in tier |
| Loan-to-Deposit Ratio ? |
73.66%
+8.4% YoY
+2.1% QoQ
|
-9.40% |
83.06%
+0.3% YoY
|
81.05%
+0.1% YoY
|
78.04%
+0.7% YoY
|
26% |
| Non-Interest-Bearing Deposit Share ? |
18.57%
-6.2% YoY
+3.0% QoQ
|
-2.47% |
21.05%
-0.9% YoY
|
17.48%
-2.0% YoY
|
21.79%
-1.3% YoY
|
42% |
| Nonperforming Asset Ratio ? |
0.01%
-80.1% YoY
-9.8% QoQ
|
-0.49% |
0.50%
+20.3% YoY
|
0.34%
+9.4% YoY
|
0.48%
+20.8% YoY
|
Top 6% in tier |
| Tier 1 Capital Ratio ? |
13.06%
+0.3% YoY
-3.5% QoQ
|
+2.81% |
10.24%
-0.6% YoY
|
9.14%
+0.8% YoY
|
9.75%
-1.9% YoY
|
59% |
| Non-Interest Income / Assets ? |
0.46%
+11.0% YoY
+25.9% QoQ
|
-0.28% |
0.74%
-1.3% YoY
|
0.55%
+0.1% YoY
|
0.65%
+0.6% YoY
|
43% |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 6%
in Community
Why this stands out
Current:
0.01%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 6%
in Community
Why this stands out
Current:
0.01%
(Tier avg: 0.50%, National avg: 0.48%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
94
94th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.50%
94
94th pctile
Delinquency Rate
Current: 0.01% · Tier avg: 0.63%
59
59th pctile
Tier 1 Capital Ratio
Current: 13.06% · Tier avg: 10.24%
58
58th pctile
Efficiency Ratio
Current: 59.68% · Tier avg: 62.63%
52
52th pctile
Return on Assets
Current: 1.15% · Tier avg: 1.16%
45
45th pctile
Total Deposits
Current: $774.9M · Tier avg: $1.2B
44
44th pctile
Total Assets
Current: $914.5M · Tier avg: $1.4B
43
43th pctile
Non-Interest Income / Assets
Current: 0.46% · Tier avg: 0.74%
42
42th pctile
Non-Interest-Bearing Deposit Share
Current: 18.57% · Tier avg: 21.05%
38
38th pctile
Total Loans
Current: $570.8M · Tier avg: $975.5M
35
35th pctile
Net Interest Margin
Current: 3.37% · Tier avg: 3.66%
26
26th pctile
Loan-to-Deposit Ratio
Current: 73.66% · Tier avg: 83.06%
Top Weaknesses
26
26th pctile
Loan-to-Deposit Ratio
Current: 73.66% · Tier avg: 83.06%
35
35th pctile
Net Interest Margin
Current: 3.37% · Tier avg: 3.66%
38
38th pctile
Total Loans
Current: $570.8M · Tier avg: $975.5M
42
42th pctile
Non-Interest-Bearing Deposit Share
Current: 18.57% · Tier avg: 21.05%
43
43th pctile
Non-Interest Income / Assets
Current: 0.46% · Tier avg: 0.74%
44
44th pctile
Total Assets
Current: $914.5M · Tier avg: $1.4B
45
45th pctile
Total Deposits
Current: $774.9M · Tier avg: $1.2B
52
52th pctile
Return on Assets
Current: 1.15% · Tier avg: 1.16%
58
58th pctile
Efficiency Ratio
Current: 59.68% · Tier avg: 62.63%
59
59th pctile
Tier 1 Capital Ratio
Current: 13.06% · Tier avg: 10.24%
94
94th pctile
Delinquency Rate
Current: 0.01% · Tier avg: 0.63%
94
94th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.50%