# BUCKEYE STATE BANK
POWELL, OH · FDIC certificate 2286 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (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 | $569.2M | |
| Deposits | $474.2M | |
| Loans and leases | $348.2M | |
| Total equity | $53.4M | |
| Loans / deposits | 72.79% (p30 of band) | 82.04% |
| Liquid assets / assets | 28.88% (p61 of band) | |
| Uninsured deposits / deposits | 33.58% (p76 of band) | 25.97% |
| Brokered deposits | 4.76% | |
| Wholesale funding | 10.91% (p80 of band) | |
| FHLB advances / assets | 6.16% | |
| Tier 1 leverage | 8.16% (p3 of band) | 10.81% |
| Unrealized securities loss / equity | -14.94% (p32 of band) | -8.10% |
| AOCI / equity | 0.07% (p84 of band) | |
| ROA (annualized) | 0.53% (p12 of band) | 1.28% |
| Net interest margin | 3.39% (p23 of band) | 3.91% |
| Efficiency ratio | 76.29% (p84 of band) | |
| Noncurrent loans | 0.30% (p42 of band) | 0.43% |
| Net charge-offs (annualized) | 0.07% (p80 of band) | |
| Reserve coverage of noncurrent | 300.29% | |
| Real estate % of loans | 85% | |
| Construction % of loans | 47.60% (p54 of band) | |
| Auto loans | $1.3M (0.39% of loans; DQ 2.53%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 11.2% | |
| Employees | 68 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 | expense ratio p90 | reserve under noncurrent |
| 2012-06 | 1 |  |  |
| 2012-09 | 2 | reserve under noncurrent |  |
| 2012-12 | 3 | losing money |  |
| 2013-03 | 4 | capital falling, NIM <2.5% | reserve under noncurrent |
| 2013-06 | 5 | reserve under noncurrent |  |
| 2013-09 | 4 |  | capital falling |
| 2013-12 | 3 |  | reserve under noncurrent |
| 2014-03 | 3 |  |  |
| 2014-06 | 2 |  | NIM <2.5% |
| 2014-09 | 2 |  |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 3 | capital falling |  |
| 2015-06 | 3 |  |  |
| 2015-09 | 2 |  | capital falling |
| 2015-12 | 2 |  |  |
| 2016-03 | 3 | capital falling |  |
| 2016-06 | 4 | liquid assets <10%, auto book souring | capital falling |
| 2016-09 | 3 |  | liquid assets <10% |
| 2016-12 | 6 | leverage <7%, capital falling, uninsured deposits leaving |  |
| 2017-03 | 4 | charge-offs p90 | leverage <7%, capital falling, uninsured deposits leaving |
| 2017-06 | 6 | NIM <2.5%, deposits shrinking |  |
| 2017-09 | 8 | assets shrinking, uninsured deposits leaving |  |
| 2017-12 | 7 |  | uninsured deposits leaving |
| 2018-03 | 9 | capital falling, uninsured deposits leaving |  |
| 2018-06 | 7 |  | assets shrinking, uninsured deposits leaving |
| 2018-09 | 5 |  | NIM <2.5%, deposits shrinking |
| 2018-12 | 4 |  | capital falling |
| 2019-03 | 5 | NIM <2.5% |  |
| 2019-06 | 6 | uninsured deposits leaving |  |
| 2019-09 | 6 | wholesale funding >15% | NIM <2.5% |
| 2019-12 | 5 | capital falling | auto book souring, wholesale funding >15% |
| 2020-03 | 5 | wholesale funding >15% | losing money |
| 2020-06 | 4 | loans exceed deposits | expense ratio p90, uninsured deposits leaving |
| 2020-09 | 2 |  | charge-offs p90, capital falling |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 1 |  | loans exceed deposits |
| 2022-03 | 2 | capital falling |  |
| 2022-06 | 3 | AOCI drag >20% of equity, securities losses >30% of equity | capital falling |
| 2022-09 | 4 | charge-offs p90 |  |
| 2022-12 | 3 | expense ratio p90 | wholesale funding >15%, charge-offs p90 |
| 2023-03 | 4 | capital falling, charge-offs p90 | AOCI drag >20% of equity |
| 2023-06 | 4 | wholesale funding >15% | expense ratio p90 |
| 2023-09 | 3 |  | charge-offs p90 |
| 2023-12 | 3 | uninsured deposits leaving | securities losses >30% of equity |
| 2024-03 | 1 |  | capital falling, uninsured deposits leaving |
| 2024-06 | 1 | uninsured deposits >50% | wholesale funding >15% |
| 2024-09 | 1 |  |  |
| 2024-12 | 0 |  | uninsured deposits >50% |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 1 | capital falling |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 1 |  |  |

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

- 2026-07-22 [Growth doesn't happen by accident - The Business Journals](https://news.google.com/rss/articles/CBMimwFBVV95cUxPWXFBNjVYOUNXMjhyUjV1Z0U1SzdPM3ZMQXNRZWs3Z1ZmZElMQndwYzhEZlBma1BLanE5YnpSUkpab1lrUWw4eGc2aFhicVZuQkRtYXVjLWdZT3pOcXpBYkppZGJFYnhyRWZjb0R5Z1pqNTRzN2dGbEgwdzZZcUZXQjFZVlRQcWFuVnZDdHd1YkJPNmdrUmRIMkVQcw?oc=5) · The Business Journals
- 2024-06-19 [Buckeye State Bank Donates to Indian lake Tornado Relief Fund - Peak of Ohio](https://news.google.com/rss/articles/CBMiogFBVV95cUxOekFUSHlLWGdfOGdpeGxaUEF0dkM2U3ZULTFjaWhoZ09VQk1qM1B0dUJtZE1XbE15VkxuTXVueUtIU3pPUjNHVWRpNThoX0ZodHg1TlRGRGhYSEp4bHNCXzNHcEl3Yy1EU0wtWFRJcmp3SmwydEdsVGtRcDBkdkdyelNzb0xFWTVFVkg4ZktuT1dwS2RINVJEckEzQ211N2xEVkE?oc=5) · Peak of Ohio
- 2025-02-20 [Buckeye State Bank adding branches as it aims for $600M in assets - The Business Journals](https://news.google.com/rss/articles/CBMikAFBVV95cUxPZWJHRlJ4SkRUNXhObEt4ZzVNaXctWWVYVUJPMDFHWG93QTJjLTROejBETWVHSlVjOU9fbUZZaGVhZHhMVHZaQkN1R3lDY2lna1p3TFFsM2lXeW5WV2FNX2o5T0NMd2p0clIzYWd1YVgyV3RoX3Jua2IwUEVnMG0wNElyeXh2VU9tWmJycjNnNUU?oc=5) · The Business Journals
- 2026-05-27 [LCNB Corp. Strengthens Columbus Banking Presence with Two Additions - Business Wire](https://news.google.com/rss/articles/CBMiwgFBVV95cUxQb01xS3kzcmRMeElkcmtIMkRwdWhDV29TeDNiaWowaF9GeFBsbnVQand0bVBMQVozQjhYVFM3Vy1wcDZNakJsSy0xX01sd0xmMzNMaDlmcjlMTG0waExkLV9MTi1ST3k1MTF2NWlkcDA5SDFqQ2xTWXFmZnAzOWsxeXBIaUdMeGhLbGZacldxRURJNmJFemRtMUYxS0w2S2ozS2JXNHB4S0tkRUdiZ3VWYzA5TUVHa3RJYm9QTXFWT2hpQQ?oc=5) · Business Wire
- 2025-07-19 [George A. Bavelis Obituary - The Columbus Dispatch](https://news.google.com/rss/articles/CBMiW0FVX3lxTE40VXZOZ0RweVlDV0o4dVdUc0tZWVcyX3E3bTQwWmxCRTRSU1o3WUlFZWhPSnFRaHJUQXpqX0xiTFVFc3FsZmNSaGhQVkZKaUNoQ3JtTDV0aUkyanM?oc=5) · The Columbus Dispatch
- 2023-02-21 [Powell's Buckeye State Bank expands to southern Ohio with acquisition - The Business Journals](https://news.google.com/rss/articles/CBMioAFBVV95cUxNZmY2MXh1dElCMVFoWkdfUFhqV3dyTjYxT0RyQjRiMTk2cFVCbXRxVHZNXzluTzNaMTBaX0NaUVExYnJkMFFaWkd0RlJOLU1tY01kMk90THBGMllwNnEyWlFodXJsVGVCT2V3YTQtcUhzQUZhN3kxN0ZrWldDdFlLZ3JhTkxDRld5V0U5MXlNZnNqSHB0WEVSWDYtN0RkR3g1?oc=5) · The Business Journals
- 2024-10-17 [Buckeye State Bank - The Business Journals](https://news.google.com/rss/articles/CBMijgFBVV95cUxPZ3dYS3N1WDg3ZU0tNVlGcGlLb2hBOEpIc3hCY0xkQTJEb0E5ZTZJYW1TeUp4QkpaWFFGMU5YTFBLcllicThnWWlublY5Yk1pR19mMzhhR2tzSkZXcUFQa2N0dnk5XzZTTEFaS00xM2tUNkpkMVRXSUg0MWRuRjVqcTBfeVhiYl9qdjBzX09R?oc=5) · The Business Journals
- 2023-08-16 [Central Ohio community bank expands southward with acquisition - The Business Journals](https://news.google.com/rss/articles/CBMioAFBVV95cUxQMmsxa1VlWllfcnhybXVnNkliZ256SGNiNktXQTF0aGtqRW5PME1BdC0zWU1hdURXYVg1QzF5YkU5cVQtR1d3ZE55eTZlVU5sVWtVeUEzTFpISzg0SWt3ajdOS0wwUnNJN0YtNkNpdWEzRk1laktLVW9IWWEtb2h4VElwYVFLSzlMdnVONEdvaGJ5YXFlaTVXc1hqUW5ZS0dC?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=2286 (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/46.json (key "2286", 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