Bank Comparison
First National Bank of Mcconnelsville, the vs First National Bank of Waverly, the
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
16 · 7
winning metrics across 23 comparable rows
Capital adequacy
| Metric | First National Bank of Mcconnelsville, the | First National Bank of Waverly, the |
|---|---|---|
| CET1 Ratio | 20.10% | 21.46% |
| Tier 1 Capital Ratio | 20.10% | 21.46% |
| Total Capital Ratio | 21.35% | 22.42% |
| Tier 1 Leverage Ratio | 8.52% | 9.00% |
| Equity / Assets | 10.86% | 9.00% |
Profitability
| Metric | First National Bank of Mcconnelsville, the | First National Bank of Waverly, the |
|---|---|---|
| Return on Assets (ROA) | 1.11% | 0.55% |
| Return on Equity (ROE) | 10.28% | 6.16% |
| Net Interest Margin (NIM) | 4.03% | 2.80% |
| Yield on Earning Assets | 4.88% | 3.56% |
| Cost of Funds | 0.89% | 0.85% |
Asset quality
| Metric | First National Bank of Mcconnelsville, the | First National Bank of Waverly, the |
|---|---|---|
| Texas Ratio | 4.09% | 20.23% |
| Non-Performing Loan Ratio | 0.51% | 3.20% |
| Non-Performing Asset Ratio | 0.28% | 1.49% |
| Net Charge-Off Ratio | 0.00% | 0.07% |
| ACL / Loans | 1.12% | 0.86% |
Balance sheet
| Metric | First National Bank of Mcconnelsville, the | First National Bank of Waverly, the |
|---|---|---|
| Total Assets | $203,236K | $204,392K |
| Total Deposits | $179,683K | $180,966K |
| Total Loans | $110,170K | $91,855K |
| Total Equity | $22,064K | $18,396K |
| Net Income (quarter) | $562 | $282 |
Liquidity & funding
| Metric | First National Bank of Mcconnelsville, the | First National Bank of Waverly, the |
|---|---|---|
| Loan-to-Deposit Ratio | 61.31% | 50.76% |
| Core Deposit Ratio | 97.92% | 95.02% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First National Bank of Mcconnelsville, the | First National Bank of Waverly, the |
|---|---|---|
| Headquarters City | MCCONNELSVILLE | WAVERLY |
| Headquarters State | OH | OH |
| Asset Tier | Small | Small |
| Charter Class | 46 | 5635 |
| Regulator | OCC | OCC |
| Domestic Branches | 6 | 4 |
| Employees (FTE) | 50 | 33 |
| Established | July 1, 1863, midnight | Jan. 1, 1901, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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