The First National Bank of Waverly: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The First National Bank of Waverly of Waverly, OH against its peer group of 2603 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.89% | 1.34% | -0.45% | 28th below |
| ROAE | 9.79% | 13.32% | -3.53% | 35th below |
| Net Interest Margin | 3.19% | 3.93% | -0.74% | 15th bottom |
| Efficiency Ratio | 70.01% | 61.13% | +8.88% | 28th below |
| PPNR / Avg Assets | 1.06% | 1.68% | -0.62% | 23rd bottom |
| Yield on Earning Assets | 3.93% | 5.67% | -1.74% | 2nd bottom |
| Cost of Funds | 0.83% | 1.88% | -1.05% | 95th top |
| Net Interest Spread | 2.83% | 3.32% | -0.49% | 26th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 3.37% | 0.94% | +2.43% | 5th bottom |
| NPA / Total Assets | 1.68% | 0.70% | +0.98% | 10th bottom |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 0.84% | 1.28% | -0.44% | 13th bottom |
| ACL / NPLs (Coverage) | 24.88% | 1546.44% | -1521.56% | 2nd bottom |
| Texas Ratio | 19.41% | 7.33% | +12.08% | 8th bottom |
| Provision / NCO | 0.00% | 1395.27% | -1395.27% | 13th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 21.78% | 19.48% | +2.30% | 82nd top |
| Tier 1 Ratio | 21.78% | 19.52% | +2.26% | 82nd top |
| Total Capital Ratio | 22.73% | 20.60% | +2.13% | 81st top |
| Leverage Ratio | 9.22% | 12.14% | -2.92% | 16th bottom |
| Equity / Assets | 9.54% | 11.37% | -1.83% | 37th below |
| TCE / Tangible Assets | 9.54% | 11.08% | -1.54% | 41st below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 54.81% | 80.67% | -25.86% | 88th top |
| Core Deposit Ratio | 93.81% | 86.85% | +6.96% | 78th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -6.47% | 6.84% | -13.31% | 3rd bottom |
| Loan Growth (Y/Y) | -2.31% | 7.92% | -10.23% | 14th bottom |
| Deposit Growth (Y/Y) | -7.61% | 6.29% | -13.90% | 4th bottom |
See The First National Bank of Waverly's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The First National Bank of Waverly, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full The First National Bank of Waverly profile, how to read a UBPR, or how this data updates.