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The Cincinnatus Savings & Loan Co.
Cincinnati, OH · FDIC Certificate #28157 · Chartered 01/0
Total assets
$193.10M
Total deposits
$163.03M
Total equity
$28.66M
Net loans
$126.98M
Branches (offices)
3
Net income (YTD)
$880.00K
Rank: #3,021 of 4,213 U.S. banks by assets · #100 of 155 in Ohio. Assets changed 8.0% and deposits 14.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.93% |
| Return on equity | 6.22% |
| Net interest margin (YTD) | 3.48% |
| Equity to assets | 14.84% |
| Tier 1 leverage ratio | 15.26% |
| Uninsured deposits (share of deposits) | 29.1% |
| Noncurrent loans (share of loans) | 0.26% |
| Net charge-offs (share of loans) | -0.11% |
| Loans to deposits | 77.9% |
| Real estate loans (share of loans) | 92.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $117.46M | 92.5% | |
| Commercial & industrial | $9.00M | 7.1% | |
| Consumer / individual | $1.84M | 1.4% | |
| Construction & development | $7.60M | 6.0% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $124.36M | $100.16M | $623.00K | $23.28M |
| Jun 2023 | $130.64M | $101.30M | $569.00K | $24.38M |
| Jun 2024 | $136.91M | $106.45M | $432.00K | $25.45M |
| Jun 2025 | $178.84M | $142.13M | $892.00K | $26.88M |
| Jun 2026 | $193.10M | $163.03M | $880.00K | $28.66M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Ohio | $163.03M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $163.03M.
Similar-sized banks
Community Neighbor Bank ($193.20M) · Wrentham Co-Operative Bank ($192.62M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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