The First National Bank of Waverly: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Operating from Waverly, OH, The First National Bank of Waverly serves its local market as an FDIC-insured commercial bank. The Q2 2026 balance sheet stands at $196M in assets, including $95M in loans. Profitability tracks the broader industry: ROA 0.89%, ROE 9.79%, NIM 3.19%. Capital is comfortably above regulatory requirements, CET1 ratio of 21.78% sits well above the 7% level required once the capital conservation buffer is included. Credit metrics show stress, 3.37% NPLs and a 19.41% Texas Ratio above the 100% historical failure threshold. 4 branches make up the footprint.
As of June 30, 2026, The First National Bank of Waverly reported a CET1 capital ratio of 21.78%, a return on assets of 0.89%, a nonperforming-loan ratio of 3.37%, a Texas ratio of 19.41%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 107 N Market St, Waverly, OH 45690
- County
- Pike
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1901
- Offices
- 4 domestic
- Employees (FTE)
- 33
- Domestic deposits
- $172.6M
- Allowance for credit losses
- $794K
- Net charge-offs (YTD)
- $16K
- Average total assets
- $203.1M
- Average total loans
- $93.1M
- Average interest-bearing deposits
- $134.8M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 6725
- Fed RSSD
- 263627
- SEC CIK
- 2046800 → filed by CENTRAL OHIO BANCORP
- Website
- www.thefirstnational.com →
- Parent Holding Company
- CENTRAL OHIO BANCORP (RSSD 3015612)
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full The First National Bank of Waverly terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock The First National Bank of Waverly, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Non-performing loans (90+ days past due or non-accrual) exceed 3% of total loans, well above the typical community-bank range of 0.5–1.5%. BankRegReports band vs the 0.5–1.5% industry norm.
The First National Bank of Waverly rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 21.78% | 0.89% | 3.37% | 19.41% | 3.19% |
| Q1 2026 | 21.46% | 0.55% | 3.20% | 20.23% | 2.80% |
| Q4 2025 | 20.56% | 0.36% | 3.44% | 17.78% | 2.66% |
| Q3 2025 | 19.97% | 0.41% | 2.74% | 14.75% | 2.23% |
| Q2 2025 | 19.07% | 0.22% | 3.32% | 17.34% | 2.28% |
| Q1 2025 | 18.07% | 0.02% | 3.22% | 18.13% | 2.02% |
| Q4 2024 | 17.93% | -0.46% | 2.46% | 14.99% | 1.85% |
| Q3 2024 | 16.02% | -1.27% | 2.25% | 15.35% | 1.72% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 4 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The First National Bank of Waverly | Waverly , OH | 45690 | $156.5M |
| Piketon Branch | Piketon , OH | 45661 | $13.5M |
| Beaver Branch | Beaver , OH | 45613 | $1.8M |
| Latham Branch | Piketon , OH | 45661 | $813K |
Regulatory record
What the public regulatory sources show for The First National Bank of Waverly, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 4 against the institution (OCC)
- September 25, 2024, OCC: Formal Agreement: The First National Bank of Waverly
- March 18, 2013, OCC: Civil Money Penalty (CMP): The First National Bank of Waverly
- June 1, 2005, OCC: Civil Money Penalty (CMP): The First National Bank of Waverly
- November 9, 2004, OCC: Formal Agreement: The First National Bank of Waverly
- Period: Most recent institution action September 25, 2024. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in OH, rank 113 of 185 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
Add this badge to your website
Free to use. The badge always shows The First National Bank of Waverly’s most recent filed regulatory figures. It updates automatically each quarter, so it never goes stale.
Similar banks
Compare The First National Bank of Waverly with peers
Side-by-side comparison of capital, profitability, asset quality, and balance sheet. Pick a peer to view the full head-to-head.
Frequently asked about The First National Bank of Waverly
What are The First National Bank of Waverly's total assets?
As of the Q2 2026 filing, The First National Bank of Waverly reported total assets of $196.2 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is The First National Bank of Waverly headquartered?
The First National Bank of Waverly is headquartered in Waverly, OH, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was The First National Bank of Waverly founded?
The First National Bank of Waverly was established in 1901, per the FDIC institution directory.
Is The First National Bank of Waverly FDIC-insured?
Yes. The First National Bank of Waverly is an FDIC-insured commercial bank (FDIC Certificate #6725). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The First National Bank of Waverly?
The First National Bank of Waverly's primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is The First National Bank of Waverly's CET1 capital ratio?
The First National Bank of Waverly reported a Common Equity Tier 1 (CET1) capital ratio of 21.78% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The First National Bank of Waverly operate?
The First National Bank of Waverly operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The First National Bank of Waverly's Texas Ratio?
The First National Bank of Waverly's Texas Ratio is 19.41% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
Go deeper on The First National Bank of Waverly.
Unlock the full terminal: 26 years of quarterly trends, peer benchmarking, watch flags, and Excel tearsheets for this bank and every other US institution.
Unlock The First National Bank of Waverly, freeFree account