The First National Bank of Waverly: 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.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 4.05 percentage points higher than in Q1 2026, at 54.81%. Within Ohio, The First National Bank of Waverly is 95th of 156 on return on assets, 0.89% as of Q2 2026, below the middle of the field. The First National Bank of Waverly reported 0.89% on return on assets for Q2 2026, 0.36 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 21.78% |
| Tier 1 risk-based capital ratio | 21.78% |
| Total risk-based capital ratio | 22.73% |
| Tier 1 leverage ratio | 9.22% |
| Equity capital to assets | 9.54% |
| Tangible equity to tangible assets | 9.54% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 3.37% |
| Non-performing assets ratio | 1.68% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 19.41% |
| Allowance for credit losses to loans | 0.84% |
| Reserve coverage of non-performing loans | 24.88% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.89% |
| Return on equity | 9.79% |
| Net interest margin | 3.19% |
| Efficiency ratio | 70.01% |
| Yield on earning assets | 3.93% |
| Cost of funds | 0.83% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 54.81% |
| Core deposits to total deposits | 93.81% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 87.96% |
| Securities to assets | 31.71% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 15.65% | 15.65% | 16.31% | 6.56% | 0.34% |
| Q4 2023 | 15.37% | 15.37% | 16.03% | 6.51% | 0.05% |
| Q1 2024 | 16.72% | 16.72% | 17.39% | 7.20% | -0.14% |
| Q2 2024 | 16.44% | 16.44% | 17.09% | 7.21% | 0.07% |
| Q3 2024 | 16.02% | 16.02% | 16.64% | 7.25% | -1.27% |
| Q4 2024 | 17.93% | 17.93% | 18.68% | 7.81% | -0.46% |
| Q1 2025 | 18.07% | 18.07% | 18.83% | 8.08% | 0.02% |
| Q2 2025 | 19.07% | 19.07% | 19.91% | 8.31% | 0.22% |
| Q3 2025 | 19.97% | 19.97% | 20.89% | 8.44% | 0.41% |
| Q4 2025 | 20.56% | 20.56% | 21.50% | 8.95% | 0.36% |
| Q1 2026 | 21.46% | 21.46% | 22.42% | 9.00% | 0.55% |
| Q2 2026 | 21.78% | 21.78% | 22.73% | 9.22% | 0.89% |
The First National Bank of Waverly vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The First National Bank of Waverly, 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 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)