The First National Bank of Waverly: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The largest change between Q1 2026 and Q2 2026 was in Equity capital to total assets, which rose 0.54 percentage points to 9.54%. Within Ohio, The First National Bank of Waverly is 13th of 84 on CET1 ratio, 21.78% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. The First National Bank of Waverly sits 6.71 points higher, at 21.78% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 21.78% |
| Tier 1 risk-based capital ratio | 21.78% |
| Total risk-based capital ratio | 22.73% |
| Tier 1 leverage ratio | 9.22% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $18.7M |
| Tier 1 capital | $18.7M |
| Total risk-based capital | $19.5M |
| Total equity capital | $18.7M |
| Risk-weighted assets | $85.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.54% |
| Tangible equity to tangible assets | 9.54% |
| Equity capital to average assets | 9.22% |
| Internal capital growth rate | 7.00% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2.5M |
| Common stock surplus | $6.8M |
| Retained earnings | $9.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $0 |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 15.65% | 15.65% | 16.31% | 6.56% | $95.4M |
| Q4 2023 | 15.37% | 15.37% | 16.03% | 6.51% | $96.0M |
| Q1 2024 | 16.72% | 16.72% | 17.39% | 7.20% | $98.6M |
| Q2 2024 | 16.44% | 16.44% | 17.09% | 7.21% | $100.6M |
| Q3 2024 | 16.02% | 16.02% | 16.64% | 7.25% | $104.6M |
| Q4 2024 | 17.93% | 17.93% | 18.68% | 7.81% | $99.5M |
| Q1 2025 | 18.07% | 18.07% | 18.83% | 8.08% | $98.8M |
| Q2 2025 | 19.07% | 19.07% | 19.91% | 8.31% | $94.2M |
| Q3 2025 | 19.97% | 19.97% | 20.89% | 8.44% | $91.1M |
| Q4 2025 | 20.56% | 20.56% | 21.50% | 8.95% | $88.7M |
| Q1 2026 | 21.46% | 21.46% | 22.42% | 9.00% | $85.7M |
| Q2 2026 | 21.78% | 21.78% | 22.73% | 9.22% | $85.9M |
The First National Bank of Waverly regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The First National Bank of Waverly, freeSource: Call Report Schedule RC-R, 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 First National Bank of Waverly profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6725) · FFIEC NIC profile (RSSD 263627)