Bank Safety Analysis
Is Nationwide Trust Company, FSB Safe?
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Nationwide Trust Company, FSB meets regulatory minimums but is on the watch band for 1 of 4 safety dimensions. Analysis based on the Q2 2026 call report.
Return on assets dropped 5.78 percentage points in Q2 2026, from 20.27% to 14.49%. It was the largest change from Q1 2026 among the key lines here. On CET1 ratio, Nationwide Trust Company, FSB ranks 2nd highest among the 84 banks headquartered in Ohio, at 141.82% (Q2 2026). Against a median of 15.08% for banks in the $100M-1B asset tier, Nationwide Trust Company, FSB reported 141.82% on CET1 ratio in Q2 2026, 126.74 points higher. From Q3 2023 to Q2 2026, Nationwide Trust Company, FSB's CET1 ratio ranged between 85.98% (Q3 2023) and 141.82% (Q2 2026) and its Texas ratio held at 0.00% in every quarter. Between Q2 2025 and Q2 2026, Nationwide Trust Company, FSB's CET1 ratio rose from 122.36% to 141.82%, Texas ratio held at 0.00% and return on assets fell from 17.50% to 14.49%.
Data as of · sourced from FFIEC call reports. How we update
An exploratory screening score that ranks relative failure risk across filers. It is not a calibrated probability, not a credit rating, and not a CAMELS rating. Held-out test AUC 0.904 for the 1-year horizon (v20261005_114304). Trained on credit-driven community-bank failures, it carries little signal for interest-rate or deposit-flight risk. The score covers every FDIC-insured bank in the latest run, but the model was trained on community and regional banks and its accuracy above roughly $10 billion in assets is not established, so a low score is not evidence of safety. See the model evidence and limits and the methodology. This is not investment advice or a credit rating.
Scorecard by dimension
Peer cohort: banks with $100M to $1B in assets (2,757 banks) · Industry averages as of Q2 2026.
CET1 of 141.82% sits comfortably above the 6.5% well-capitalized threshold under Prompt Corrective Action and the 7.0% level required once the capital conservation buffer is included.
Tier 1 leverage of 36.89% is above the 5% well-capitalized threshold.
Asset quality data not available.
Texas Ratio of 0.0% is well below the 100% historical failure threshold.
Efficiency ratio of 86.4% is elevated, suggesting cost-to-revenue pressure.
Risk screens
Latest filing (Q2 2026), passing screens included.
| Screen | Value | Trigger | Result |
|---|---|---|---|
| CET1 capital ratio supervisory threshold | 141.82% | Flags below 7% | Within range |
| Texas ratio BankRegReports band | 0.00% | Watch at 50%, concern at 100% | Within range |
| Non-performing loan ratio BankRegReports band | — | Flags at 3% or above | Not reported |
| Uninsured deposit share BankRegReports band | — | Watch at 50%, concern at 70% | Not reported |
| Loan-to-deposit ratio BankRegReports band | 0.00% | Flags at 100% or above | Within range |
| Commercial real estate to capital supervisory threshold | 0.00% | Watch at 200%, concern at 300% | Within range |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.00% | Watch at 10%, concern at 25% | Within range |
Capital ratio: last 12 quarters
| Quarter | CET1 (%) |
|---|---|
| Q2 2026 | 141.82% |
| Q1 2026 | 135.38% |
| Q4 2025 | 129.64% |
| Q3 2025 | 123.81% |
| Q2 2025 | 122.36% |
| Q1 2025 | 121.29% |
| Q4 2024 | 107.52% |
| Q3 2024 | 98.52% |
| Q2 2024 | 95.00% |
| Q1 2024 | 91.23% |
| Q4 2023 | 89.99% |
| Q3 2023 | 85.98% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q2 2026 | 0.00% |
| Q1 2026 | 0.00% |
| Q4 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q1 2025 | 0.00% |
| Q4 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q2 2024 | 0.00% |
| Q1 2024 | 0.00% |
| Q4 2023 | 0.00% |
| Q3 2023 | 0.00% |
Nationwide Trust Company, FSB by quarter
| Quarter end | CET1 | NPL ratio | Texas ratio | ROA |
|---|---|---|---|---|
| Jun 30, 2026 | 141.82% | — | 0.00% | 14.49% |
| Mar 31, 2026 | 135.38% | — | 0.00% | 20.27% |
| Dec 31, 2025 | 129.64% | — | 0.00% | 18.86% |
| Sep 30, 2025 | 123.81% | — | 0.00% | 20.16% |
| Jun 30, 2025 | 122.36% | — | 0.00% | 17.50% |
| Mar 31, 2025 | 121.29% | — | 0.00% | 20.14% |
| Dec 31, 2024 | 107.52% | — | 0.00% | 17.02% |
| Sep 30, 2024 | 98.52% | — | 0.00% | 17.58% |
| Jun 30, 2024 | 95.00% | — | 0.00% | 13.28% |
| Mar 31, 2024 | 91.23% | — | 0.00% | 12.78% |
| Dec 31, 2023 | 89.99% | — | 0.00% | 8.18% |
| Sep 30, 2023 | 85.98% | — | 0.00% | 19.06% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is Nationwide Trust Company, FSB FDIC insured?
Yes. Nationwide Trust Company, FSB is an FDIC-insured savings institution (FDIC Certificate #34710). Customer deposits are protected up to the standard FDIC insurance limit of $250,000 per depositor, per ownership category.
Is Nationwide Trust Company, FSB well capitalized?
Yes. Nationwide Trust Company, FSB reports a CET1 Ratio of 141.82%, comfortably above the regulatory well-capitalized threshold that its primary federal regulator, the OCC, applies under Prompt Corrective Action.
What is Nationwide Trust Company, FSB's Texas Ratio?
Nationwide Trust Company, FSB's Texas Ratio is 0.00%. It compares nonperforming assets with tangible equity plus reserves; above 100% has historically signaled elevated failure risk.
How safe is my money at any FDIC-insured bank?
FDIC insurance covers up to $250,000 per depositor, per insured bank, per ownership category. If an insured bank fails, the FDIC typically pays insured depositors within one business day.
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Methodology & disclaimer
Based on the latest FFIEC call report. Model output is an estimate, not a credit rating, and this page is not investment advice. FDIC insurance covers deposits up to $250,000 per depositor per ownership category at any FDIC-insured bank, whatever its safety profile. See the methodology and full profile.
Regulator records: FDIC BankFind (cert 34710) · FFIEC NIC profile (RSSD 2729677)
Explore: Full Nationwide Trust Company, FSB profile · Other banks in OH · Metric glossary · How the call report works