The Cincinnatus Savings and Loan Company
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Data as of · sourced from FFIEC call reports. How we update
The Cincinnatus Savings and Loan Company is an FDIC-insured savings and loan association headquartered in Cheviot, OH, supervised by the FDIC, with $193.1M in total assets at Q2 2026, up 8.0% from Q2 2025, the 99th largest of 154 banks headquartered in Ohio. It was established in 1885 and holds FDIC certificate 28157. It reports no CET1 ratio; its Tier 1 leverage ratio was 15.26% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Savings and loan association
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 28157
- Headquarters
- Cheviot, OH
- Established
- 1885
- Total assets, Q2 2026
- $193.1M
- Assets vs Q2 2025
- +8.0%
- Tier 1 leverage ratio, Q2 2026
- 15.26%
- Domestic offices
- 3 · The Cincinnatus Savings and Loan Company branches FDIC institution directory, current count
- Routing number
- 242071033
- Safety and soundness
- Is The Cincinnatus Savings and Loan Company safe?
- Latest call report
- Q2 2026, FFIEC 051 · The Cincinnatus Savings and Loan Company Q3 2026 call report, filed October 7, 2026 (preliminary)
- Holding company
- CINCINNATUS COMMUNITY BANCORP, INC
- Asset rank in state
- 99th of 154 in Ohio
The Cincinnatus Savings and Loan Company, based in Cheviot, Ohio, reported $193 million in assets at June 30, 2026, up 8.0% from a year earlier. It grew deposits 14.7% over the year, 3.6 times the median of 4.1% for the 2,627 banks with $100 million to $1 billion in assets. It also funds 15.26% of its assets with Tier 1 capital, higher than about three-quarters of banks its size (median 10.99%).
Loans and deposits moved in opposite directions: over the year loans fell 0.1% and deposits rose 14.7%. Problem loans have appeared where there were almost none: loans on nonaccrual or 90 or more days past due, net of government guarantees now equal 0.26% of loans. Profitability lags: it returns 6.3% a year on shareholders' equity, about half the median of 12.6% for banks its size.
As of June 30, 2026, The Cincinnatus Savings and Loan Company reported a return on assets of 0.92%, a nonperforming-loan ratio of 0.26% and a Texas ratio of 1.13%. The figures come from its call report filed with the FFIEC.
Of the 154 banks headquartered in Ohio, The Cincinnatus Savings and Loan Company is the 99th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 1.1% to $193.1M, loans rose 1.7% and deposits rose 0.9%. 1-4 family residential loans made up 35.4% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 32.7%. Its 3 offices in the FDIC Summary of Deposits are in Cincinnati, OH and Harrison, OH; its Cincinnati 2 offices book 72% of its branch deposits. By the capital ratios in its Q2 2026 call report, The Cincinnatus Savings and Loan Company meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 3300 Harrison Ave, Cheviot, OH 45211
- County
- Hamilton
- Metro Area
- Cincinnati, Oh-KY-In
- Charter
- State-chartered stock savings and loan association, FDIC-supervised (pre-2011 OTS)
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- —
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1885
- Former names
- The Cincinnatus Savings & Loan Co. (2004)
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 21
- Domestic deposits
- $163.0M
- Allowance for credit losses
- $1.3M
- Net charge-offs (YTD)
- -$72K
- Average total assets
- $193.1M
- Average total loans
- $128.5M
- Average interest-bearing deposits
- $144.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 28157
- Fed RSSD
- 815772
- Website
- www.cincinnatussl.com →
- Parent Holding Company
- CINCINNATUS COMMUNITY BANCORP, INC (RSSD 4300968)
- Ultimate Parent
- CINCINNATUS COMMUNITY BANCORP, MHC (RSSD 4301394)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, The Cincinnatus Savings and Loan Company reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
The Cincinnatus Savings and Loan Company's total assets moved between a low of $135.6M (Q3 2023) and a high of $193.1M (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
$193.1M total assets against $178.8M; $164.4M total liabilities against $152.0M.
$127.0M net loans and leases against $127.2M; $163.0M total deposits against $142.1M.
$37.7M securities against $28.1M; $17.9M cash and balances due against $13.1M.
$2.5M total interest income against $2.3M; $914K total interest expense against $782K.
$1.5M net interest income against $1.5M.
$134K total noninterest income against $135K; $1.1M total noninterest expense against $979K.
$15K provision for credit losses against $3K.
$444K net income against $506K.
0.92% return on assets against 1.16%; 3.36% net interest margin against 3.59%.
15.26% tier 1 leverage ratio against 15.85%.
Inside the full The Cincinnatus Savings and Loan Company terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Cincinnatus Savings and Loan Company rankings
Its closest position to the top of a national ranking is 2,313 of 3,606, for efficiency ratio; its furthest is 2,672 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.67% (Q3 2024) to 1.16% (Q2 2025) and its net interest margin ran from 3.08% (Q3 2024) to 3.59% (Q2 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.26% | 0.92% | 0.26% | 1.13% | 3.36% |
| Q1 2026 | 15.21% | 0.91% | 0.08% | 0.33% | 3.48% |
| Q4 2025 | 15.46% | 0.95% | 0.15% | 0.66% | 3.46% |
| Q3 2025 | 15.74% | 1.10% | 0.08% | 0.33% | 3.46% |
| Q2 2025 | 15.85% | 1.16% | 0.00% | 0.00% | 3.59% |
| Q1 2025 | 15.97% | 0.91% | 0.00% | 0.00% | 3.25% |
| Q4 2024 | 15.99% | 0.75% | 0.10% | 0.42% | 3.32% |
| Q3 2024 | 17.03% | 0.67% | 0.00% | 0.01% | 3.08% |
Swipe the table sideways to see every column.
Branch Network
View all 3 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 |
|---|---|---|---|
| The Cincinnatus Savings & Loan Co. | Cincinnati , OH | 45211 | $83.6M |
| Harrison Branch | Harrison , OH | 45030 | $45.7M |
| 3664 Springdale Rd Branch | Cincinnati , OH | 45251 | $33.8M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 2 against the institution (OCC (former OTS))
- February 4, 1999, OCC (former OTS): Supervisory Agreement: Cincinnatus Savings and Loan Company
- February 4, 1999, OCC (former OTS): Supervisory Agreement: The Cincinnatus Savings and Loan Company
- Period: Most recent institution action February 4, 1999. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in OH, rank 117 of 184 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 91 applications, 69 loans originated, $23.3M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Not on file
- 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 Cincinnatus Savings and Loan Company
What are The Cincinnatus Savings and Loan Company's total assets?
As of the Q2 2026 filing, The Cincinnatus Savings and Loan Company reported total assets of $193.1 million in its FFIEC call report.
Where is The Cincinnatus Savings and Loan Company headquartered?
It is headquartered in Cheviot, OH, United States.
When was The Cincinnatus Savings and Loan Company founded?
It was established in 1885, per the FDIC institution directory.
Is The Cincinnatus Savings and Loan Company FDIC-insured?
Yes. It is an FDIC-insured savings and loan association (FDIC Certificate #28157). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Cincinnatus Savings and Loan Company?
The Cincinnatus Savings and Loan Company's primary federal regulator is the FDIC.
How many branches does The Cincinnatus Savings and Loan Company operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Cincinnatus Savings and Loan Company's Texas Ratio?
Its Texas Ratio is 1.13% 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.
What was The Cincinnatus Savings and Loan Company previously called?
The charter now named The Cincinnatus Savings and Loan Company has also operated as The Cincinnatus Savings & Loan Co. (2004), per FDIC structure-change records.
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