The First National Bank of Waverly: Loan-to-Deposit Ratio
Data as of · sourced from FFIEC call reports. How we update
The First National Bank of Waverly reported a loan-to-deposit ratio of 54.81% as of Q2 2026, ranking #3,294 of 3,639 U.S. banks (10th percentile). That is up 2.97 percentage points from 51.84% a year earlier, and below the 79.18% median of the 1,873 Small Community Banks ($100M–$500M in assets). The Loan-to-Deposit Ratio (LTD) measures loans against deposits. A high ratio means deposits are fully deployed and the bank may rely on wholesale funding to grow loans.
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What is the Loan-to-Deposit Ratio?
The Loan-to-Deposit Ratio measures the bank's loans outstanding as a percentage of its deposit base. It captures how aggressively the bank is deploying its core funding into lending vs. holding liquid securities.
Most US community banks report LTD between 65% and 90%. The industry has been gradually de-leveraging. LTD has fallen from ~80% to ~70% since 2007. Banks above 100% are funding loans with non-deposit sources, a more rate-sensitive and lower-quality funding mix.
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What is The First National Bank of Waverly's Loan-to-Deposit Ratio?
The First National Bank of Waverly's Loan-to-Deposit Ratio was 54.81% as of Q2 2026, ranking #3294 of 3,639 U.S. banks.
What is the Loan-to-Deposit Ratio?
The Loan-to-Deposit Ratio measures the bank's loans outstanding as a percentage of its deposit base. It captures how aggressively the bank is deploying its core funding into lending vs. holding liquid securities.
More The First National Bank of Waverly metrics
Source: FFIEC call reports, standardized by BankRegReports. Values are point-in-time as filed. See the full The First National Bank of Waverly profile or how this data updates. The figures come from the bank's call report.
Regulator records: FDIC BankFind (cert 6725) · FFIEC NIC profile (RSSD 263627)