The First National Bank of Waverly: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Problem loans are rising at The First National Bank of Waverly. It reported $196 million in assets at June 30, 2026, down 6.5% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 3.61% of loans from 2.98% a year earlier. It pays an average of 0.83% on its deposits and borrowings, about half the median of 1.80% for the 2,660 banks with $100 million to $1 billion in assets. On the other hand, it carries problem assets equal to 18.1% of the capital and reserves that would absorb them, 6.8 times the median of 2.6% for banks its size.
The balance sheet shrank over the year: over the year loans fell 2.3% and deposits fell 7.6%. Paper losses on its bond portfolio are shrinking: unrealized losses of $823,000 equal 4% of Tier 1 capital, down from 14% a year earlier. Its margin is thin by comparison: it keeps 3.19 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
As of June 30, 2026, The First National Bank of Waverly reported a CET1 capital ratio of 21.78%, a return on assets of 0.89%, a nonperforming-loan ratio of 3.37% and a Texas ratio of 18.06%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 107 N Market St, Waverly, OH 45690
- County
- Pike
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1901
- Offices
- 4 domestic
- Employees (FTE)
- 33
- Domestic deposits
- $172.6M
- Allowance for credit losses
- $794K
- Net charge-offs (YTD)
- $16K
- Average total assets
- $203.1M
- Average total loans
- $93.1M
- Average interest-bearing deposits
- $134.8M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 6725
- Fed RSSD
- 263627
- SEC CIK
- 2046800 → filed by CENTRAL OHIO BANCORP
- Website
- www.thefirstnational.com →
- Parent Holding Company
- CENTRAL OHIO BANCORP (RSSD 3015612)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full The First National Bank of Waverly terminal
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Unlock The First National Bank of Waverly, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
The First National Bank of Waverly rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for The First National Bank of Waverly: Texas Ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 21.78% | 0.89% | 3.37% | 18.06% | 3.19% |
| Q1 2026 | 21.46% | 0.55% | 3.20% | 18.85% | 2.80% |
| Q4 2025 | 20.56% | 0.36% | 3.44% | 16.40% | 2.66% |
| Q3 2025 | 19.97% | 0.41% | 2.74% | 14.73% | 2.23% |
| Q2 2025 | 19.07% | 0.22% | 3.32% | 15.63% | 2.28% |
| Q1 2025 | 18.07% | 0.02% | 3.22% | 16.33% | 2.02% |
| Q4 2024 | 17.93% | -0.46% | 2.46% | 13.13% | 1.85% |
| Q3 2024 | 16.02% | -1.27% | 2.25% | 13.29% | 1.72% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 4 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The First National Bank of Waverly | Waverly , OH | 45690 | $156.5M |
| Piketon Branch | Piketon , OH | 45661 | $13.5M |
| Beaver Branch | Beaver , OH | 45613 | $1.8M |
| Latham Branch | Piketon , OH | 45661 | $813K |
Regulatory record
What the public regulatory sources show for The First National Bank of Waverly, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 4 against the institution (OCC)
- September 25, 2024, OCC: Formal Agreement: The First National Bank of Waverly
- March 18, 2013, OCC: Civil Money Penalty (CMP): The First National Bank of Waverly
- June 1, 2005, OCC: Civil Money Penalty (CMP): The First National Bank of Waverly
- November 9, 2004, OCC: Formal Agreement: The First National Bank of Waverly
- Period: Most recent institution action September 25, 2024. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in OH, rank 113 of 185 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- Not on file: no SBA 7(a) loans matched
- Period: not on file. Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about The First National Bank of Waverly
What are The First National Bank of Waverly's total assets?
As of the Q2 2026 filing, The First National Bank of Waverly reported total assets of $196.2 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is The First National Bank of Waverly headquartered?
The First National Bank of Waverly is headquartered in Waverly, OH, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was The First National Bank of Waverly founded?
The First National Bank of Waverly was established in 1901, per the FDIC institution directory.
Is The First National Bank of Waverly FDIC-insured?
Yes. The First National Bank of Waverly is an FDIC-insured commercial bank (FDIC Certificate #6725). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The First National Bank of Waverly?
The First National Bank of Waverly's primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is The First National Bank of Waverly's CET1 capital ratio?
The First National Bank of Waverly reported a Common Equity Tier 1 (CET1) capital ratio of 21.78% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The First National Bank of Waverly operate?
The First National Bank of Waverly operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The First National Bank of Waverly's Texas Ratio?
The First National Bank of Waverly's Texas Ratio is 18.06% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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