# KILLBUCK SAVINGS BANK CO
KILLBUCK, OH · FDIC certificate 11860 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $953.8M | |
| Deposits | $798.4M | |
| Loans and leases | $626.4M | |
| Total equity | $80.3M | |
| Loans / deposits | 77.79% (p41 of band) | 82.04% |
| Liquid assets / assets | 29.40% (p63 of band) | |
| Uninsured deposits / deposits | 20.38% (p30 of band) | 25.97% |
| Brokered deposits | 0.67% | |
| Wholesale funding | 8.15% (p71 of band) | |
| FHLB advances / assets | 7.48% | |
| Tier 1 leverage | 9.49% (p23 of band) | 10.81% |
| Unrealized securities loss / equity | -22.52% (p20 of band) | -8.10% |
| AOCI / equity | -0.23% (p57 of band) | |
| ROA (annualized) | 1.13% (p41 of band) | 1.28% |
| Net interest margin | 3.56% (p31 of band) | 3.91% |
| Efficiency ratio | 60.94% (p49 of band) | |
| Noncurrent loans | 0.01% (p11 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | 8406.35% | |
| Real estate % of loans | 87% | |
| Construction % of loans | 60.22% (p64 of band) | |
| Auto loans | $1.8M (0.29% of loans; DQ 0.06%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 6.9% | |
| Employees | 126 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | capital falling |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 0 |  | capital falling |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | reserve under noncurrent |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 0 |  | reserve under noncurrent |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 1 | capital falling |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 0 |  | capital falling |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | uninsured deposits leaving |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 0 |  | uninsured deposits leaving |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | capital falling |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 0 |  | capital falling |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | AOCI drag >20% of equity, securities losses >30% of equity | capital falling |
| 2022-06 | 2 |  |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 0 |  | securities losses >30% of equity |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-02-23 [Killbuck Savings Bank Co named 2026 Board of Directors Award recipient - Wooster Daily Record](https://news.google.com/rss/articles/CBMi3AFBVV95cUxOcEN2a0N3eXA2M3FJSFdRZ1dSUVNLS3ByQ1hnckgtSV9EeGVfVFNPRzdrRlpjUk03M2o0OUFES2tLbHZrb2tUd3Q5NzlnM3RocUlTdkhLeldjUmRXV0owRXU3UGMtdFBpUm5oZGNwVl9RQ3FEcWkwcl9OVFZyY1FxU1dwUlo1VTRLSjVlVzZxeThlNnBZV3RzY08tajRvYmlaUGxuWFBYem5makhZWmJuRUFVVTFzSWZvS3NNTl94eE1XTlV0Sk9YX09kbE9felJsSUQyTGhrb0ZYZzNi?oc=5) · Wooster Daily Record
- 2025-07-26 [Iceboxes to ATMs: Killbuck Savings Bank reflects on 125 years of growth and innovation - Wooster Daily Record](https://news.google.com/rss/articles/CBMiigJBVV95cUxOYm5aaS1idTQ3TzhOM2ZSUHl4M3d6NzVpVkxTTmtXaGRYdW1WWmpMRGs3SjVjWUMyUmZfcnl5ZUZBeVZTTVdiUnBzNGhqbEROdURjVDVvZnJ5X2t1TEkzb190ZEdyOEptMVRsTHYzWUV6X3JLbllGRTF0cFltZDNIVm1wdTN0Y1A4TWZNQTNyZ1Q5MGg1eGpWRGh6V05haFVYbFh3dXBsSFU0MTlfMVFJUFZvdmI1NlotSVVSc3ZMby1sbXZaRERiTDNYY2dhcGdnbmg4aDJsSDN1T3RfQktrSXpEQjFJMEgzbWlwMGo5czhMNzVGMUUzWldVVTlBTEItQ0xuV0UwaFJoQQ?oc=5) · Wooster Daily Record
- 2024-03-07 [Killbuck Savings Bank announces changes in leadership; CEO retires - Wooster Daily Record](https://news.google.com/rss/articles/CBMiwwFBVV95cUxQSU9jZW9rdVJydVNUVERDcGJ0Q0R4Z3o2TnFaME9FUG1TS29XRF9OREhLRU05LW9wMWdUakpHcDVXZFBlb21JMzFFdEFvWk12MktDY0hmdC0zVklYNUllOFM5eFd5NlVEbDVPdm9FZ0dQSFNjWElPeXFjU0F1WFpiTGtyWDJVRkM3RFlYVWhNazh4RUoyZHZROVlvYk1QeW9vZlFPaGo4eE9mcXpXVlJuRDdMYlExQ1Y3a3NvN0FLbU1JVm8?oc=5) · Wooster Daily Record
- 2025-11-05 [Millersburg Food Run donates $3,600 to Love Center Food Pantry - Your Ohio News](https://news.google.com/rss/articles/CBMirwFBVV95cUxQZ21CZzB1ZVNKeGd4cXcwVW5IaVpwcDB4dG1ZTE1GYUMtM2d3cHJHRGZYVzFkWkwzREY5bkZySUloTkZNS0xTM0l1NjA3MWhwWlVkRFBsNkVpQzBZTlJwVjZ0SWlIMl9PTlZXVWdhVDI5LW9OVkdpVUZwazdMZWdHSHZLeGEzX3RtaVBZbElXOEUtTm1YSWxydWhQSDlWNTk2a3g2YlBqZTdtYjRBSGJR?oc=5) · Your Ohio News
- 2019-08-04 [Kidron branch of Killbuck Savings Bank set to open Aug. 14 - Wooster Daily Record](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNZEFMNmgzN1BCTkd0Mll1SHFScEU3d2hxekl6cmNzTDZnWlh6akFTOHJNU0xXQlkwS1NHcGp2Q08yQ1FSdGtnNHlyckQtRmdBZmw4VmlPd3NackthQ2lEaEhDU0ZabEFYX1ZuZ2dtVGpHRWRFSzY1Zm1sU0I2UUxIRmctS0Y1ZEo1WE4tS1ZvYUw4OGRFelBhRGF0Q2lZUXU0LVp0ZGc4V01uZw?oc=5) · Wooster Daily Record
- 2021-10-25 [Millersburg Food Run raises $3,500 for Love Center Food Pantry - Wooster Daily Record](https://news.google.com/rss/articles/CBMivgFBVV95cUxPcHZBNmx1TnMzMllqWDIycmxVMWJrV0ZiQk1VOUJldXJ3b0szMEZQQ3pkaElNWGk1bUgxTU5xOHV6cElJUlJGNWdWSjcwRlNzd3VvY0lEdzNaMDhvQ09pU3pWNzhncXRIaTlaczhTUDROR2RFUUJIWWVvWlFJYkx5QS0ybFltZ0ZYeWFHY3RuMDF2TWtITGRDRmRCampxcDlndFlsVDJ1TXZDaXFjUFlGck1mMFE2SFlpZEFSQ29R?oc=5) · Wooster Daily Record
- 2021-07-12 [Registration under way for Millersburg Food Run to benefit Love Center - Wooster Daily Record](https://news.google.com/rss/articles/CBMiyAFBVV95cUxNa1l6NDA2elN6ZnhmdXItX0E2SzVqM29iSXB5bTJQb1RoV3BacENmbWlub1EtU1NtWE5oQWlIY1NKWmt0V2trcDRVckxhY3ljODZPLVlDZzZmcDc5d1NGYUVKRmpYYXZmZEF2YTdfRTRnUzBiT1JGQ3JOc0tScVdTWDRGR2J4ZXRRbVloVzBRbG5ORmJfTWNuZGNfZFJiRFEyZklnOE1RMDkwN3FWNEl0STMta2VZa2NyOFFDejlSdEJKaHdfTjB5cA?oc=5) · Wooster Daily Record

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=11860 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/20.json (key "11860", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide