Killbuck Bancshares Inc

What Killbuck Bancshares Inc does

Killbuck Bancshares Inc. is the privately held holding company of The Killbuck Savings Bank Co., a 124-year-old community bank founded in 1900 and headquartered in Killbuck, Ohio. The bank operates 12 full-service branches across Holmes, Knox, Wayne, and Tuscarawas counties in Ohio, serving individual consumers, small and medium-sized businesses, and agricultural operations with personal and business deposit accounts (checking, savings, money market, CDs, HSAs), lending products (mortgage, home equity, commercial real estate, business, agricultural, and personal loans), treasury management, and merchant services.

The bank's technology stack is built on a Jack Henry / Banno core: the website and online banking portal (Unifi), the KSB Mobile app (iOS, Android, Kindle) with mobile check deposit, Bill Pay, eStatements, text banking, and KSB Easy Pay (NFC contactless payments) all run on vendor platforms rather than proprietary infrastructure. Merchant services are delivered via Clover point-of-sale hardware routed through CardConnect and APS processors, and credit cards are issued and serviced through MyCommunity Credit Cards (mycommunitycc.com). MyCardRules provides debit-card controls and notifications. Bank NMLS #422885; Routing #041210053.

The revenue model is a standard community-bank NIM-plus-fee structure: primary revenue is interest income on the loan portfolio (commercial real estate, business, agricultural, consumer, mortgage), supplemented by transaction and account fees (overdraft, NSF, wire, cashier's check, FX, ATM), treasury management and merchant services fees, and credit card interchange. Customer acquisition is overwhelmingly community-led — board service in local nonprofits, chambers, and economic development councils, plus a small digital presence (website, Facebook, email newsletter) — with local decision-making positioned as the core differentiator. The bank reported $845M in total assets and 140+ employees as of January 2026, with 138 consecutive quarters of Bauer Financial 5-Star Superior rating.

Name

Killbuck Bancshares Inc

Legal name

The Killbuck Savings Bank Co.

Website

https://killbuckbank.com

Company type

Private

Founded year

1900

Operating status

Operating

Headcount range

101–250 employees

Short description

Killbuck Bancshares Inc. is the holding company for The Killbuck Savings Bank Co., a 124-year-old community bank operating 12 branches in Holmes, Knox, Wayne, and Tuscarawas counties, Ohio, serving consumers, small businesses, and agricultural operations with deposits, lending, treasury management, and merchant services on a Jack Henry/Banno digital platform.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Savings Institutions and Other Depository Credit Intermediation (52218)

SIC

Savings Institutions, Not Federally Chartered (6036)

akta.pro primary industry

Mutual Savings Banks & Mutual Thrifts (FSABAEAD)

Keywords

• Community banking
• Retail banking
• Commercial lending
• Agricultural loans
• Digital banking

Headquarters

HQ city

Killbuck

HQ country

United States

HQ region

North America

Offices10 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Supply Chain

Revenue model

1. Interest Income: Primary revenue from interest earned on loans including commercial real estate, business loans, agricultural loans, home equity, construction, and personal loans
2. Deposit Account Fees: Monthly maintenance charges, overdraft fees, non-sufficient funds fees, and other account-related service charges
3. Transaction Fees: Fees from wire transfers, cashier's checks, money orders, foreign currency exchange, and ATM transactions
4. Commercial Banking Services: Treasury management fees, merchant services revenue, and commercial lending income
5. Credit Card Revenue: Revenue from credit card processing and interchange fees through merchant services

Pricing tiers

Go-to-market motion2 records

Distribution channels6 records

Marketing channels7 records

Core offering

Killbuck Bancshares Inc is the holding company for The Killbuck Savings Bank Co., a privately held Ohio community bank founded in 1900. The bank accepts personal and business deposits (checking, savings, money market, CDs, HSA), originates consumer, mortgage, commercial, and agricultural loans, and provides digital banking, treasury management, merchant services, and wealth referrals. It operates 12 full-service branches across Holmes, Knox, Wayne, and Tuscarawas counties with $845M in assets.

Product overview

Killbuck Savings Bank (Killbuck Bancshares Inc) operates as a community bank offering a unified portfolio of deposit, lending, and digital banking products. The core offering spans personal and business checking and savings accounts, personal and commercial lending (including mortgages, agricultural loans, and commercial real estate), and credit cards issued through MyCommunity. The bank layers a digital banking platform—built on Jack Henry Banno—providing online and mobile banking (KSB Mobile App), mobile check deposit, Bill Pay, KSB Easy Pay (NFC contactless payments), Text Banking, and Treasury Management services. Add-on products include Merchant Services (Clover POS), Health Savings Accounts, Certificates of Deposit, Money Market Accounts, Safe Deposit Boxes, and Foreign Currency Exchange. The bank also provides debit card protection via MyCardRules and a suite of financial planning calculators. Services are delivered across 12 full-service Ohio branches.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Checking Deposit checking accounts for individual consumers including Completely Free Checking with no monthly fee and no minimum balance, plus interest-bearing Direct Interest Checking, 50 Plus Interest Checking, and Prestige Interest Checking tiers.
• Personal Savings Personal Passbook Savings account earning 0.25% APY with a $5 monthly fee waived for customers under 24 or over 50, plus tiered Personal Money Market account with rates from 0.70% to 3.25% APY based on balance.
• Personal Lending Consumer loan products including auto loans, unsecured personal loans, home equity lines of credit, and mortgage lending through dedicated mortgage loan officers.
• Our Credit Card Bank-branded consumer and business credit cards issued through MyCommunity Credit Cards, with card management available online through mycardstatement.com.
• Business Checking Business deposit checking accounts including Completely Free Business Checking (100 free monthly transactions, no monthly fee), Business Interest Checking for sole proprietors and non-profits, and Commercial Checking for high-volume businesses with 100+ monthly transactions.
• Business Savings Business savings products including Business Money Market Accounts with tiered rates up to 3.25% APY on balances of $500,000+, Business Certificates of Deposit, and Business Health Savings Accounts.
• Business Lending Commercial loan products including Commercial Real Estate Loans, Business Lines of Credit, Business Term Loans, Agricultural Loans for farm equipment, crop production, livestock and farm real estate, and Business Credit Cards.
• Treasury Management KSB Cash Management platform for business customers covering Receivables (ACH, Remote Deposit Capture, Merchant Card Services), Payables (ACH Origination, Wire Transfers, Business Credit Cards), Fraud Management (Positive Pay, ACH Positive Pay), and Efficiency (Sweeps, eStatements, Alerts).
• Merchant Services Card payment acceptance services for business merchants using Clover point-of-sale hardware, including smart terminals, virtual terminals, mobile devices, and website shopping carts with EMV, NFC, contactless, and QR code support and PCI-certified point-to-point encryption.
• Online Banking Web-based digital banking platform powered by Jack Henry Banno providing account access, internal and external fund transfers, loan payments, electronic Bill Pay, transaction review, statement viewing, stop payments, and check reordering.
• KSB Mobile Banking App Native mobile banking application for iOS, Android, and Kindle Fire devices enabling real-time account access, fund transfers, mobile check deposit, Bill Pay, loan management, Text Banking, and ATM/branch location finder.
• Bill Pay Electronic bill payment service allowing one-time and recurring payments to individuals or businesses across the United States, processed twice daily with next-day payment execution.
• KSB Easy Pay
• MyCardRules Debit Card Protection Debit card security and control platform enabling card on/off switching, spending limit controls, merchant category restrictions, and real-time transaction notifications to prevent unauthorized use.
• Certificates of Deposit Time deposit accounts available in terms from 30 days to 5 years, with minimum $500 opening deposit, FDIC-insured, and promotional rates of 3.66% APY on 6-month and 3.82% APY on 13-month terms.
• Safe Deposit Boxes Secure storage boxes of various sizes available at select branch locations for safeguarding valuables, important documents, and personal items.
• Foreign Currency Exchange Foreign currency ordering and exchange service for international travel, with fees of $13 for orders over $300 and $23 for orders of $300 and under.
• Health Savings Accounts Tax-advantaged medical savings accounts for individuals with high-deductible health plans, offering pre-tax contributions, tax-free growth, and HSA debit card access at 0.25% APY.

Quantifiable outcome

• 138 consecutive quarters of 5-Star Bauer Financial rating (over 34 years)
• +2 more outcomes

Named customers13 records

Segments4 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration10 records

AI capability5 records

Feature4 records

Partnerships

Eight partnerships are on record, tiered core and minor.

• Jack Henry (Banno)coreTechnology or IntegrationJack Henry Digital (Banno) provides the digital banking platform powering Killbuck Savings Bank's website, online banking (Unifi), and digital infrastructure. The bank's website and digital banking services are created by Jack Henry Digital.
• Ameriprise FinancialminorGTM or Marketing PartnerKillbuck Savings Bank partners with Ameriprise advisor Lisa Grassbaugh to provide personalized financial advice and wealth management services to bank customers.
• Merchant Services PartnerscoreTechnology or IntegrationKillbuck Savings Bank offers merchant services including Clover point of sale terminals, virtual terminals, and payment processing. Card Connect (Merchants with ID starting 496/498) and APS (Merchants with ID starting 5436/5200) provide 24/7 customer service support.
• EPCORminorStrategic or Co-development PartnerEPCOR is a not-for-profit payments association that provides quarterly newsletters to Killbuck Savings Bank's business customers with the latest payment trends and topics related to electronic payments.
• Ohio Secretary of StateminorStrategic or Co-development PartnerKillbuck Savings Bank refers business customers to the Ohio Secretary of State website for business formation and maintenance information.
• IRS BusinessminorStrategic or Co-development PartnerKillbuck Savings Bank refers business customers to IRS business resources for small business tax and formation information.
• FDIC Money Smart for Small BusinessminorStrategic or Co-development PartnerKillbuck Savings Bank promotes FDIC's Money Smart for Small Business financial literacy program as a resource for business customers.
• AultcareminorOthersAultcare is referenced as a partner for price transparency notices on the bank's website footer.

Scale indicators9 records

Recent moves6 records

Expansion highlights5 records

Market position

Strengths8 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/killbuckbank
• LinkedInlinkedin.com/company/thekillbucksavingsbankco

Compliance6 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles11 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Killbuck Bancshares Inc