The Killbuck Savings Bank Company
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Data as of · sourced from FFIEC call reports. How we update
The Killbuck Savings Bank Company is an FDIC-insured commercial bank headquartered in Killbuck, OH (FDIC certificate 11860), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $953.8M, up 7.4% from Q2 2025, the 38th largest of 154 banks headquartered in Ohio. Its CET1 capital ratio was 12.93% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 11860
- Headquarters
- Killbuck, OH
- Established
- Not reported
- Total assets, Q2 2026
- $953.8M
- Assets vs Q2 2025
- +7.4%
- CET1 ratio, Q2 2026
- 12.93%
- Domestic offices
- 13 FDIC institution directory, current count
- Routing number
- 041210053
- Latest call report
- Q2 2026, FFIEC 051 · The Killbuck Savings Bank Company call report
- Holding company
- KILLBUCK BANCSHARES, INC.
- Asset rank in state
- 38th of 154 in Ohio
The Killbuck Savings Bank Company, based in Killbuck, Ohio, reported $954 million in assets at June 30, 2026, up 7.4% from a year earlier. It carries problem assets equal to 0.1% of the capital and reserves that would absorb them, a small fraction of the median of 2.6% for the 2,660 banks with $100 million to $1 billion in assets. It also grew its loan book 15.2% over the year, about triple the median of 5.5% for banks its size.
Loans are outrunning deposits: over the year loans rose 15.2% and deposits rose 6.9%. Paper losses on its bond portfolio are shrinking: unrealized losses of $18 million equal 20% of Tier 1 capital, down from 28% a year earlier. Where it has less room is capital: it funds 9.49% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
As of June 30, 2026, The Killbuck Savings Bank Company reported a CET1 capital ratio of 12.93%, a return on assets of 1.26%, a nonperforming-loan ratio of 0.01% and a Texas ratio of 0.07%. The figures come from its call report filed with the FFIEC.
The Killbuck Savings Bank Company ranks as the 38th largest of the 154 banks based in Ohio, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 1.3% to $953.8M, loans rose 3.5% and deposits rose 1.2%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 43.7% of total loans, followed by owner-occupied commercial real estate loans at 14.9%. Its 12 offices in the FDIC Summary of Deposits are in 10 cities in OH; its Berlin 2 offices book 22% of its branch deposits. By the capital ratios in its Q2 2026 call report, The Killbuck Savings Bank Company meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 165 N Main St, Killbuck, OH 44637
- County
- Holmes
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Domestic offices
- 13 FDIC institution directory, current count
- Employees (FTE)
- 126
- Domestic deposits
- $798.4M
- Allowance for credit losses
- $5.3M
- Net charge-offs (YTD)
- $4K
- Average total assets
- $945.3M
- Average total loans
- $617.1M
- Average interest-bearing deposits
- $534.8M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 11860
- Fed RSSD
- 1017425
- SEC CIK
- 1060455 → filed by KILLBUCK BANCSHARES, INC.
- Website
- http://www.killbuckbank.com →
- Parent Holding Company
- KILLBUCK BANCSHARES, INC. (RSSD 2010759)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
The Killbuck Savings Bank Company's total assets moved between a low of $833.9M (Q3 2023) and a high of $953.8M (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$953.8M total assets against $888.3M; $873.5M total liabilities against $817.6M.
$621.1M net loans and leases against $539.1M; $798.4M total deposits against $746.6M.
$248.0M securities against $269.9M; $32.5M cash and balances due against $34.6M.
$11.4M total interest income against $10.3M; $3.5M total interest expense against $3.5M.
$8.0M net interest income against $6.8M.
$978K total noninterest income against $1.4M; $5.1M total noninterest expense against $4.9M.
$123K provision for credit losses against $78K.
$3.0M net income against $2.8M.
1.26% return on assets against 1.25%; 3.56% net interest margin against 3.23%.
12.93% CET1 capital ratio against 13.16%; 9.49% tier 1 leverage ratio against 9.39%.
Inside the full The Killbuck Savings Bank Company terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Killbuck Savings Bank Company rankings
Its closest position to the top of a national ranking is 1,074 of 4,196, for total assets; its furthest is 3,263 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.97% (Q1 2025) to 1.26% (Q2 2026) and its net interest margin ran from 3.05% (Q4 2024) to 3.56% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.93% | 1.26% | 0.01% | 0.07% | 3.56% |
| Q1 2026 | 13.15% | 1.00% | 0.01% | 0.08% | 3.42% |
| Q4 2025 | 13.06% | 1.23% | 0.01% | 0.09% | 3.50% |
| Q3 2025 | 13.52% | 1.19% | 0.01% | 0.09% | 3.41% |
| Q2 2025 | 13.16% | 1.25% | 0.01% | 0.11% | 3.23% |
| Q1 2025 | 12.88% | 0.97% | 0.02% | 0.15% | 3.09% |
| Q4 2024 | 13.02% | 1.17% | 0.06% | 0.53% | 3.05% |
| Q3 2024 | 12.97% | 1.00% | 0.08% | 0.58% | 3.12% |
Swipe the table sideways to see every column.
Branch Network
View all 12 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Berlin Branch | Berlin , OH | 44610 | $139.1M |
| Mount Hope Branch | Mount Hope , OH | 44660 | $129.8M |
| Millersburg Branch | Millersburg , OH | 44654 | $111.9M |
| The Killbuck Savings Bank Company | Killbuck , OH | 44637 | $90.5M |
| Fredericksburg Branch | Fredericksburg , OH | 44627 | $64.1M |
| Sugarcreek Branch | Sugarcreek , OH | 44681 | $62.7M |
| Danville Branch | Danville , OH | 43014 | $62.0M |
| German Village Branch | Berlin , OH | 44610 | $33.8M |
| Washington Street Branch | Millersburg , OH | 44654 | $32.5M |
| Apple Branch | Howard , OH | 43028 | $30.5M |
| Kidron Branch | Dalton , OH | 44618 | $26.1M |
| Wooster North Branch | Wooster , OH | 44691 | $15.2M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| November 21, 1998 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 21, 1998 | Structure Change | Acquired The Commercial and Savings Bank Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in OH, rank 46 of 184 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about The Killbuck Savings Bank Company
What are The Killbuck Savings Bank Company's total assets?
As of the Q2 2026 filing, The Killbuck Savings Bank Company reported total assets of $953.8 million in its FFIEC call report.
Where is The Killbuck Savings Bank Company headquartered?
It is headquartered in Killbuck, OH, United States.
Is The Killbuck Savings Bank Company FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #11860). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Killbuck Savings Bank Company?
The Killbuck Savings Bank Company's primary federal regulator is the Federal Reserve.
What is The Killbuck Savings Bank Company's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.93% in its Q2 2026 call report, above regulatory requirements.
How many branches does The Killbuck Savings Bank Company operate?
It operates 13 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Killbuck Savings Bank Company's Texas Ratio?
Its Texas Ratio is 0.07% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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