# BUCKEYE COMMUNITY BANK
ELYRIA, OH · FDIC certificate 35101 · asset band <$300M · 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 | $238.3M | |
| Deposits | $206.6M | |
| Loans and leases | $187.0M | |
| Total equity | $30.3M | |
| Loans / deposits | 89.47% (p79 of band) | 73.59% |
| Liquid assets / assets | 17.14% (p16 of band) | |
| Uninsured deposits / deposits | 29.69% (p81 of band) | 19.81% |
| Brokered deposits | 1.27% | |
| Wholesale funding | 1.54% (p56 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.94% (p63 of band) | 11.76% |
| Unrealized securities loss / equity | -6.14% (p52 of band) | -6.57% |
| AOCI / equity | 0.01% (p85 of band) | |
| ROA (annualized) | 0.71% (p26 of band) | 1.17% |
| Net interest margin | 4.31% (p69 of band) | 3.93% |
| Efficiency ratio | 80.92% (p80 of band) | |
| Noncurrent loans | 0.01% (p25 of band) | 0.36% |
| Net charge-offs (annualized) | -0.02% (p8 of band) | |
| Reserve coverage of noncurrent | 14480.00% | |
| Real estate % of loans | 74% | |
| Construction % of loans | 25.78% (p60 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -0.9% | |
| Employees | 43 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | losing money, reserve under noncurrent |  |
| 2011-06 | 1 |  | losing money |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 0 |  | reserve under noncurrent |
| 2012-09 | 2 | charge-offs p90, reserve under noncurrent |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 1 |  | charge-offs p90 |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 | charge-offs p90 | reserve under noncurrent |
| 2013-12 | 2 | reserve under noncurrent, deposits shrinking | charge-offs p90 |
| 2014-03 | 2 | brokered >10% | deposits shrinking |
| 2014-06 | 1 |  | reserve under noncurrent |
| 2014-09 | 1 | capital falling | brokered >10% |
| 2014-12 | 2 | reserve under noncurrent |  |
| 2015-03 | 1 |  | capital falling |
| 2015-06 | 2 | charge-offs p90 |  |
| 2015-09 | 3 | brokered >10% |  |
| 2015-12 | 1 |  | reserve under noncurrent, brokered >10% |
| 2016-03 | 0 |  | charge-offs p90 |
| 2016-06 | 1 | brokered >10% |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 2 | reserve under noncurrent |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 1 |  | reserve under noncurrent |
| 2018-06 | 0 |  | brokered >10% |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | uninsured deposits leaving |  |
| 2019-09 | 0 |  | uninsured deposits leaving |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 2 | deposits shrinking, assets shrinking |  |
| 2022-03 | 2 | charge-offs p90 | assets shrinking |
| 2022-06 | 1 |  | deposits shrinking |
| 2022-09 | 1 |  |  |
| 2022-12 | 0 |  | charge-offs p90 |
| 2023-03 | 1 | charge-offs p90 |  |
| 2023-06 | 2 | uninsured deposits leaving |  |
| 2023-09 | 3 | capital falling |  |
| 2023-12 | 1 |  | charge-offs p90, uninsured deposits leaving |
| 2024-03 | 0 |  | capital falling |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 1 | capital falling |  |
| 2025-03 | 0 |  | capital falling |
| 2025-06 | 0 |  |  |
| 2025-09 | 1 | capital falling |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 0 |  | capital falling |
| 2026-06 | 0 |  |  |

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

- 2025-10-02 [Buckeye Community Bank one of nation’s best third straight year - Morning Journal](https://news.google.com/rss/articles/CBMiqAFBVV95cUxOZnktM01ELVk0TWtwNjNJbjZOUmhTN1ZJYkJWeWgtU2I3NlpFX2JlLXdDVnFrOXJDSmJWcWU1ZEN2WldmQ2JJUGNLa1VETkRRcmxkQ0Y0VGcxbE1tMC13TWE0MDVDVTBHdG5lZ09LUTFEZldzYVFuUkdnLU5YeXVzSGstVXdvaEhlMEpYUUFQNU94aVVOWlI1d1U1SE9mQ1lnRWxHWndLQmw?oc=5) · Morning Journal
- 2024-10-31 [Buckeye Community Bank celebrates 25 years - Morning Journal](https://news.google.com/rss/articles/CBMijgFBVV95cUxQS3FDUUxFQk5CZW1odmJFcFB5bENOejNXTWJvQ05fdEo2ZXFwOThWb3NYNlZrNkFkNWNRM0ZCRlVDV0YtQWw4ZDJLOGNKQWZVX1BDZW5lcmstMzI5YUFCSmxqZUN0V3BMb2g4bUgybVNTV3RnYmhZeFJlWFZFODF1VENVTXlxQ3BtVTM2ZWVR?oc=5) · Morning Journal
- 2024-03-22 [Benjamin P. Norton sworn in to LCCC Board of Trustees - Chronicle Telegram](https://news.google.com/rss/articles/CBMikgFBVV95cUxPSzlXLV9ZaXpnNmZfcjBJbXhBbzNVbkVhaFFYaHJ3aElSQkE1SGhYR1NQalN3dmdLSTR2V3RzeE5GZ3J1M21MYzFGZHBYY2lOQVJXcFN1NVZlclpxYzFmRVJGd1NBa0xzclFQLXBqZG1ZX3FyblJXUGxOYWdjQ3o4c1JTN2RFSkFnbWo3REI1TTZodw?oc=5) · Chronicle Telegram
- 2025-03-16 [Obituary for Nancy Woods (Elson) McCurry - Bridges - Cameron Funeral Home](https://news.google.com/rss/articles/CBMickFVX3lxTE1DMzZnODQ5bTRCMXBUcDhUelRyTk9CbjNidWtuOXhLUXh0Q0ZBV0pFeXZnOGhQMVR0UWtqeE1iT0NBczdmMXgxRWVUdFFpelJqS2pPVGx2Zks1X3VCSzdYWXhIUlViSUVfbi1peDJjSWI2QQ?oc=5) · Bridges - Cameron Funeral Home
- 2023-08-03 [Buckeye Community Bank extends Lorain County reach - Morning Journal](https://news.google.com/rss/articles/CBMimAFBVV95cUxOa2x4MjdTTjFkWW44TndscGpXR1J3cFN3NEM4Q1BUYllfZzFZdHY5OHJadENjdjNvUTFWWVNwd1NIUHdKRE10bm9rUjZYSzh0V2NTcW1IRUJKa0hlcXNuNjZ6SVdxaldIRWlQczl1azNrR0lxS0JMZVk0WFdQd09PMk1zWVpCNVBiZXNfMkI0U2dTSFJqc0lvZQ?oc=5) · Morning Journal
- 2018-01-27 [Billy Rowland Obituary (1931 - 2018) - Amherst, OH - The Morning Journal - legacy.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxOX2o5LWh5aHlUN1Y4azl4WWZBZ0pPVTZGb2kwZGhIeUE4Uy1wSmI1ZEE1bVdXZFd6dW9UMnlIQTdQaXpMSDFrWEk2ajNoVkQwNkI0R2lEVThqUUkzTVlmbFNlTGw0cGRDcjUzTGNIaG9lZVlSMHhhd0NJQnBnN2JXMk1KWHhIMFd5cy12R1VNSE93UmhGS3c?oc=5) · legacy.com
- 2024-02-21 [Lorain Lighthouse Foundation seeks donations for work boat replacement - Chronicle Telegram](https://news.google.com/rss/articles/CBMiqgFBVV95cUxPWWNpM0pLcjV6emJuaUdOR3k2bG1XUU1rbUVGSHNTWTE4NTVTOTZTck1Ga3JWOXhTRTNEN0xDMDhuTWMyaDVpaWxhYm1xRE9fZU1sV2M4QWY4dzIzQ0tldDNjUVdSY011VmwtVWNWX0xGdHJ0Q3JYYjYyQ01QakhTYW1hYnBDWFc1cjBpNnROeEpGdDRxZ3dNeHNITnVjRXZ1NTF5eGEwVmtmQQ?oc=5) · Chronicle Telegram
- 2026-05-20 [SpaceX reveals plans for what could be the biggest-ever initial public offering - Morning Journal](https://news.google.com/rss/articles/CBMiZ0FVX3lxTFA4Y2N3TGZOTXZDRXRrTzJDY2xxcHM5R2pXZHVBLU9EWHRFN1lMdFIydFFqRzBIT1dRalk1ZEwtcFE4dXhZWjM3TDhIbVFIbWpubi1OU0RkZU5YT3dMSFBEdWRZdkZtT0E?oc=5) · Morning Journal

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=35101 (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/29.json (key "35101", 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