BlastPoint's Banking Scorecard
Buckeye State Bank
Community
Specialty: Commercial
OH
FDIC cert 2286
Powell, OH
1484
banks in Community tier nationally
45 in OH
View Community leaderboard (OH) →
Buckeye State Bank faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 7% in Community
- - Efficiency Drag: Bottom 27% in Community
- - NIB Deposit Bleed: Bottom 61% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$554.8M
+17.2% YoY
+9.1% QoQ
|
-$836.7M |
$1.4B
+2.0% YoY
|
$33.1B
+6.9% YoY
|
$5.9B
+6.5% YoY
|
Bottom 8% in tier |
| Total Loans ? |
$332.4M
+16.9% YoY
+5.4% QoQ
|
-$643.1M |
$975.5M
+2.4% YoY
|
$14.9B
+8.3% YoY
|
$3.1B
+8.5% YoY
|
Bottom 7% in tier |
| Total Deposits ? |
$476.6M
+22.9% YoY
+10.3% QoQ
|
-$688.0M |
$1.2B
+1.7% YoY
|
$24.6B
+5.7% YoY
|
$4.7B
+6.3% YoY
|
Bottom 9% in tier |
| Return on Assets ? |
0.52%
+5.7% YoY
+5.9% QoQ
|
-0.64% |
1.16%
+17.2% YoY
|
0.85%
+32.0% YoY
|
1.12%
+15.6% YoY
|
Bottom 12% in tier |
| Net Interest Margin ? |
3.50%
+11.3% YoY
-0.2% QoQ
|
-0.16% |
3.66%
+9.1% YoY
|
3.56%
+10.4% YoY
|
3.75%
+7.1% YoY
|
42% |
| Efficiency Ratio ? |
81.62%
+1.9% YoY
+2.3% QoQ
|
+18.99% |
62.63%
-5.3% YoY
|
71.79%
-6.6% YoY
|
65.09%
-5.1% YoY
|
Bottom 9% in tier |
| Delinquency Rate ? |
0.17%
+2.5% YoY
-11.9% QoQ
|
-0.46% |
0.63%
+18.3% YoY
|
0.53%
+11.7% YoY
|
0.66%
+20.3% YoY
|
74% |
| Loan-to-Deposit Ratio ? |
69.75%
-4.9% YoY
-4.4% QoQ
|
-13.32% |
83.06%
+0.3% YoY
|
81.05%
+0.1% YoY
|
78.04%
+0.7% YoY
|
81% |
| Non-Interest-Bearing Deposit Share ? |
15.12%
-15.2% YoY
-8.2% QoQ
|
-5.92% |
21.05%
-0.9% YoY
|
17.48%
-2.0% YoY
|
21.79%
-1.3% YoY
|
26% |
| Nonperforming Asset Ratio ? |
0.11%
+10.5% YoY
-14.4% QoQ
|
-0.39% |
0.50%
+20.3% YoY
|
0.34%
+9.4% YoY
|
0.48%
+20.8% YoY
|
76% |
| Tier 1 Capital Ratio ? |
11.81%
+3.0% YoY
-5.6% QoQ
|
+1.57% |
10.24%
-0.6% YoY
|
9.14%
+0.8% YoY
|
9.75%
-1.9% YoY
|
45% |
| Non-Interest Income / Assets ? |
0.34%
-34.7% YoY
+19.3% QoQ
|
-0.40% |
0.74%
-1.3% YoY
|
0.55%
+0.1% YoY
|
0.65%
+0.6% YoY
|
28% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Credit Quality Pressure
risk
#57 of 808 · Bottom 7% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.17%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
|
QoQ rank improving
Efficiency Drag
risk
#42 of 152 · Bottom 27% in Community
Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Why this signature
Efficiency Ratio:
81.62%
(Tier: 62.63%, National: 65.09%)
152 of 152 Community banks match
·
163 nationally
→ Stable
-9 banks QoQ
NIB Deposit Bleed
decline
#55 of 89 · Bottom 61% in Community
Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Why this signature
Noninterest-Bearing Deposit Share:
15.12%
(Tier: 21.05%, National: 21.79%)
89 of 89 Community banks match
·
98 nationally
→ Stable
-10 banks QoQ
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
81
81th pctile
Loan-to-Deposit Ratio
Current: 69.75% · Tier avg: 83.06%
76
76th pctile
Nonperforming Asset Ratio
Current: 0.11% · Tier avg: 0.50%
74
74th pctile
Delinquency Rate
Current: 0.17% · Tier avg: 0.63%
45
45th pctile
Tier 1 Capital Ratio
Current: 11.81% · Tier avg: 10.24%
42
42th pctile
Net Interest Margin
Current: 3.50% · Tier avg: 3.66%
28
28th pctile
Non-Interest Income / Assets
Current: 0.34% · Tier avg: 0.74%
26
26th pctile
Non-Interest-Bearing Deposit Share
Current: 15.12% · Tier avg: 21.05%
12
12th pctile
Return on Assets
Current: 0.52% · Tier avg: 1.16%
9
9th pctile
Total Deposits
Current: $476.6M · Tier avg: $1.2B
9
9th pctile
Efficiency Ratio
Current: 81.62% · Tier avg: 62.63%
8
8th pctile
Total Assets
Current: $554.8M · Tier avg: $1.4B
7
7th pctile
Total Loans
Current: $332.4M · Tier avg: $975.5M
Top Weaknesses
7
7th pctile
Total Loans
Current: $332.4M · Tier avg: $975.5M
8
8th pctile
Total Assets
Current: $554.8M · Tier avg: $1.4B
9
9th pctile
Efficiency Ratio
Current: 81.62% · Tier avg: 62.63%
9
9th pctile
Total Deposits
Current: $476.6M · Tier avg: $1.2B
12
12th pctile
Return on Assets
Current: 0.52% · Tier avg: 1.16%
26
26th pctile
Non-Interest-Bearing Deposit Share
Current: 15.12% · Tier avg: 21.05%
28
28th pctile
Non-Interest Income / Assets
Current: 0.34% · Tier avg: 0.74%
42
42th pctile
Net Interest Margin
Current: 3.50% · Tier avg: 3.66%
45
45th pctile
Tier 1 Capital Ratio
Current: 11.81% · Tier avg: 10.24%
74
74th pctile
Delinquency Rate
Current: 0.17% · Tier avg: 0.63%
76
76th pctile
Nonperforming Asset Ratio
Current: 0.11% · Tier avg: 0.50%
81
81th pctile
Loan-to-Deposit Ratio
Current: 69.75% · Tier avg: 83.06%