CINCINNATUS SAVINGS AND LOAN COMPANY, THE

CHEVIOT, OH | Small | Est. Jan. 1, 1885, midnight | FDIC #28157 | RSSD #815772 | FDIC
Latest Report: 2025-12-31

CINCINNATUS SAVINGS AND LOAN COMPANY, THE is asn small FDIC-insured commercial bank headquartered in CHEVIOT, OH, established in Jan. 1, 1885, midnight. As of 2025-12-31, the bank reported total assets of $184M and total deposits of $155M. Profitability stands at 0.96% ROA and 6.30% ROE, with a net interest margin of 3.58%. The bank's CET1 capital ratio is 15.10%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.15% and a Texas Ratio of 0.66%. FDIC Certificate #28157.

Assets

$184M

Deposits

$155M

Loans

$130M

Equity

$28M

Profitability

Return on Assets (ROA) 0.96%
Return on Equity (ROE) 6.30%
Net Interest Margin (NIM) 3.58%
Yield on Assets 5.67%
Cost of Funds 2.30%

Asset Quality

NPL Ratio 0.15%
Net Charge-Off Ratio -0.01%
Texas Ratio 0.66%
NPA Ratio 0.10%
ACL / Loans 0.90%

Capital & Liquidity

CET1 Ratio 15.10%
Tier 1 Capital 15.10%
Total Capital Ratio 15.86%
Leverage Ratio 15.46%
Loan-to-Deposit 83.76%

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