FIRST NATIONAL BANK OF WAVERLY, THE
FIRST NATIONAL BANK OF WAVERLY, THE is an FDIC-insured commercial bank headquartered in WAVERLY, OH, established in 1901. As of , the bank reported total assets of $196M and total deposits of $173M. Profitability stands at 0.36% ROA and 4.08% ROE, with a net interest margin of 2.65%. CET1 capital ratio: 20.56%, well above regulatory minimums. NPL ratio: 3.44% · Texas Ratio: 16.92%. Operates 4 domestic branches.
Capital & Liquidity
This is just the summary.
The full dashboard covers 4,394 currently filing institutions with CAMELS analytics, peer benchmarks, and exportable tearsheets.
No credit card required
Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
Non-performing loans (90+ days past due or non-accrual) exceed 3% of total loans — well above the typical community-bank range of 0.5–1.5%.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios.
First National Bank of Waverly, the rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
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 |
|---|---|---|---|---|---|
| 2025-12-31 | 20.56% | 0.36% | 3.44% | 16.92% | 2.65% |
| 2025-09-30 | 19.97% | 0.42% | 2.74% | 13.62% | 2.23% |
| 2025-06-30 | 19.07% | 0.22% | 3.32% | 17.34% | 2.24% |
| 2025-03-31 | 18.07% | 0.02% | 3.22% | 17.89% | 2.04% |
| 2024-12-31 | 17.93% | -0.46% | 2.46% | 13.90% | 1.85% |
| 2024-09-30 | 16.02% | -1.25% | 2.25% | 13.82% | 1.73% |
| 2024-06-30 | 16.44% | 0.07% | 1.00% | 6.27% | 1.85% |
| 2024-03-31 | 16.72% | -0.14% | 1.04% | 6.25% | 1.73% |
Similar banks
Frequently asked about FIRST NATIONAL BANK OF WAVERLY, THE
What are First National Bank of Waverly, the's total assets?
As of the Q4 2025 filing, First National Bank of Waverly, the reported total assets of $196.2 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is First National Bank of Waverly, the headquartered?
First National Bank of Waverly, the is headquartered in WAVERLY, OH, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was First National Bank of Waverly, the founded?
First National Bank of Waverly, the was established in 1901, per the FDIC institution directory.
Is First National Bank of Waverly, the FDIC-insured?
Yes. First National Bank of Waverly, the 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 First National Bank of Waverly, the?
First National Bank of Waverly, the'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 First National Bank of Waverly, the's CET1 capital ratio?
First National Bank of Waverly, the reported a Common Equity Tier 1 (CET1) capital ratio of 20.56% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does First National Bank of Waverly, the operate?
First National Bank of Waverly, the operates 4 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is First National Bank of Waverly, the's Texas Ratio?
First National Bank of Waverly, the's Texas Ratio is 16.92% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.