TellerScore

Headquartered in Powell, Ohio, Buckeye State Bank is a state-chartered bank with $569.2M in total assets and $474.2M in deposits as of Q2 2026. It operates 6 offices. Its charter dates back to 1885.

Based on its Q2 2026 filing, Buckeye State Bank scores 60/100, which we describe as moderate. That is higher than only 19% of 2,650 banks with $100 million – $1 billion. Among 157 banks headquartered in Ohio, it ranks 134th. Its strongest component is problem-loan coverage (96/100; 1.8%), and its lowest is capital cushion (32/100; 8.16%).

TellerScore · Q2 2026

Scorecard

Capital cushion32/100
Tier 1 leverage ratio: 8.16%
Loan quality90/100
Noncurrent loans ÷ total loans: 0.30%
Earnings41/100
Return on assets (annualized): 0.53%
Funding & liquidity67/100
Loans ÷ deposits and uninsured-deposit share: 72.8% · 33.6% uninsured
Problem-loan coverage96/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.82%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 4 points (64 → 60), mostly because the loan quality component weakened by 9 points.

TellerScore
596264Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202459
Q3 202460
Q4 202460
Q1 202562
Q2 202564
Q3 202562
Q4 202563
Q1 202662
Q2 202660
Tier 1 leverage ratio
5.00%7.05%9.10%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.00%
Q3 20248.44%
Q4 20248.47%
Q1 20259.10%
Q2 20258.98%
Q3 20258.94%
Q4 20258.71%
Q1 20268.46%
Q2 20268.16%
Noncurrent loans
0.04%0.17%0.30%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.13%
Q3 20240.15%
Q4 20240.16%
Q1 20250.05%
Q2 20250.04%
Q3 20250.19%
Q4 20250.17%
Q1 20260.24%
Q2 20260.30%
Return on assets
0.42%0.50%0.59%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.55%
Q3 20240.59%
Q4 20240.49%
Q1 20250.42%
Q2 20250.53%
Q3 20250.49%
Q4 20250.52%
Q1 20260.51%
Q2 20260.53%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202660$569.2M8.16%0.30%0.53%72.8%
Q1 202662$548.4M8.46%0.24%0.51%70.4%
Q4 202563$554.8M8.71%0.17%0.52%69.7%
Q3 202562$508.6M8.94%0.19%0.49%73.0%
Q2 202564$501.2M8.98%0.04%0.53%71.4%
Q1 202562$472.4M9.10%0.05%0.42%73.3%
Q4 202460$473.5M8.47%0.16%0.49%73.3%
Q3 202460$472.9M8.44%0.15%0.59%69.5%
Q2 202459$466.6M8.00%0.13%0.55%65.7%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio8.16%
3rd
Total risk-based capital12.17%
53rd
Problem loans0.30%
57th
Net charge-offs0.12%
18th
Return on assets0.53%
13th
Net interest margin3.39%
23rd
Efficiency ratio76.3%
18th
Loans to deposits72.8%
64th
Uninsured deposits33.6%
20th
Loan-loss reserves0.89%
17th
Texas ratio1.8%
60th

Similar-size banks in Ohio

InstitutionScoreAssetsCapitalProblem loansCompare
First Federal Savings and Loan Association of LorainBank Lorain, OH60 out of 100, Moderate$573.8M10.4%0.41%vs
Kingston National BankBank Kingston, OH66 out of 100, Moderate$586.3M9.2%0.27%vs
Portage Community BankBank Ravenna, OH74 out of 100, Strong$552.2M10.8%0.27%vs
The Andover BankBank Andover, OH72 out of 100, Strong$595.1M9.6%0.26%vs
Belmont Savings BankBank Bellaire, OH65 out of 100, Moderate$612.9M13.6%1.67%vs
United Midwest Savings Bank, National AssociationBank Degraff, OH71 out of 100, Strong$523.4M12.9%1.05%vs

Deposit insurance

Is my money safe at Buckeye State Bank?

Yes. Buckeye State Bank is an FDIC-insured institution (FDIC certificate #2286). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 33.6% of deposits ($159.2M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 8.16%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.17% (benchmark: 10%).

Check how much of your own balance is covered

6 locations

Branches

Buckeye State Bank lists 6 offices in 6 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Buckeye State Bank reported 112 home-loan applications under HMDA (LEI 549300YT2WUQF1W74119): 110 originated ($46,190,000 total), 1 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 0.9%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Buckeye State Bank
Former names
The Citizens Bank of De Graff
Type
State-chartered bank
FDIC certificate #
2286
RSSD ID
870913
Primary regulator
FDIC
Holding company
Buckeye State Bancshares Inc
Established
January 1, 1885
Headquarters
9494 Wedgewood Blvd, Powell, OH 43065
Employees
68

Quick answers

Buckeye State Bank: common questions

Is Buckeye State Bank FDIC insured?

Yes. Buckeye State Bank is an FDIC-insured institution (FDIC certificate #2286). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Buckeye State Bank's TellerScore?

60 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Buckeye State Bank ever failed?

There is no failure record for FDIC certificate #2286 in the FDIC failed bank list.

How many branches does Buckeye State Bank have?

6 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Powell

InstitutionScoreAssetsCapitalProblem loansCompare
Nationwide Trust Company, FSBBank Columbus, OH94 out of 100, Very strong$153.6M36.9%0.00%vs
C E S Credit UnionCredit union Mount Vernon, OH91 out of 100, Very strong$244.3M13.1%0.16%vs
Abbott Laboratories Credit UnionCredit union Gurnee, IL89 out of 100, Very strong$1.1B14.5%0.11%vs
State Highway Patrol Federal Credit UnionCredit union Columbus, OH88 out of 100, Very strong$92.2M13.5%0.06%vs
Fidelity Federal Savings and Loan Association of DelawareBank Delaware, OH82 out of 100, Strong$131.6M17.0%0.04%vs
Firestone Federal Credit UnionCredit union Akron, OH82 out of 100, Strong$198.1M18.1%1.15%vs