The Cincinnatus Savings and Loan Company: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 506.96 percentage points in Q3 2026, from 999.24% to 492.28%. It was the largest change from Q2 2026 among the key lines here. Within Ohio, The Cincinnatus Savings and Loan Company is 85th of 156 on return on assets, 0.99% as of Q3 2026, below the middle of the field. The Cincinnatus Savings and Loan Company reported 0.99% on return on assets for Q3 2026, 0.27 points below the 1.25% median for banks in the $100M-1B asset tier; the peer median is as of Q2 2026.
Capital adequacy
| Line item | Q3 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 15.83% |
| Equity capital to assets | 14.83% |
| Tangible equity to tangible assets | 14.75% |
Asset quality
| Line item | Q3 2026 |
|---|---|
| Non-performing loans to loans | 0.21% |
| Non-performing assets ratio | 0.14% |
| Net charge-off ratio | -0.02% |
| Texas ratio | 0.93% |
| Allowance for credit losses to loans | 1.04% |
| Reserve coverage of non-performing loans | 492.28% |
Earnings
| Line item | Q3 2026 |
|---|---|
| Return on assets | 0.99% |
| Return on equity | 6.58% |
| Net interest margin | 3.37% |
| Efficiency ratio | 62.78% |
| Yield on earning assets | 5.33% |
| Cost of funds | 2.26% |
Liquidity and funding
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 80.40% |
| Core deposits to total deposits | 84.11% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 84.38% |
| Securities to assets | 18.45% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q4 2023 | 19.00% | 0.90% | 3.48% | 0.47% | -0.82% |
| Q1 2024 | 18.91% | 0.71% | 3.17% | 0.35% | -0.01% |
| Q2 2024 | 18.97% | 0.54% | 3.01% | 0.00% | -0.02% |
| Q3 2024 | 17.03% | 0.67% | 3.08% | 0.00% | -0.04% |
| Q4 2024 | 15.99% | 0.75% | 3.32% | 0.01% | -0.02% |
| Q1 2025 | 15.97% | 0.91% | 3.25% | 0.00% | -0.02% |
| Q2 2025 | 15.85% | 1.16% | 3.59% | 0.00% | -0.01% |
| Q3 2025 | 15.74% | 1.10% | 3.46% | 0.08% | -0.02% |
| Q4 2025 | 15.46% | 0.95% | 3.46% | 0.15% | -0.01% |
| Q1 2026 | 15.21% | 0.91% | 3.48% | 0.08% | -0.01% |
| Q2 2026 | 15.26% | 0.92% | 3.36% | 0.10% | -0.21% |
| Q3 2026 | 15.83% | 0.99% | 3.37% | 0.21% | -0.02% |
The Cincinnatus Savings and Loan Company vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Cincinnatus Savings and Loan Company, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The Cincinnatus Savings and Loan Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28157) · FFIEC NIC profile (RSSD 815772)