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The First National Bank Of Waverly
Waverly, OH · FDIC Certificate #6725 · Chartered 01/0
Total assets
$196.21M
Total deposits
$172.57M
Total equity
$18.72M
Net loans
$93.79M
Branches (offices)
4
Net income (YTD)
$736.00K
Rank: #2,997 of 4,213 U.S. banks by assets · #99 of 155 in Ohio. Assets changed -6.5% and deposits -7.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.74% |
| Return on equity | 7.98% |
| Net interest margin (YTD) | 3.23% |
| Equity to assets | 9.54% |
| Tier 1 leverage ratio | 9.22% |
| Uninsured deposits (share of deposits) | 30.6% |
| Noncurrent loans (share of loans) | 3.61% |
| Net charge-offs (share of loans) | 0.03% |
| Loans to deposits | 54.3% |
| Real estate loans (share of loans) | 90.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $85.24M | 90.9% | |
| Commercial & industrial | $5.83M | 6.2% | |
| Consumer / individual | $2.28M | 2.4% | |
| Construction & development | $7.32M | 7.8% | |
| Agricultural | $187.00K | 0.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $217.54M | $197.16M | $532.00K | $14.96M |
| Jun 2023 | $227.09M | $176.33M | $414.00K | $14.95M |
| Jun 2024 | $228.54M | $171.62M | -$39.00K | $16.54M |
| Jun 2025 | $209.78M | $186.79M | $131.00K | $17.97M |
| Jun 2026 | $196.21M | $172.57M | $736.00K | $18.72M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Ohio | $172.57M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $172.57M.
Similar-sized banks
Oklahoma Capital Bank ($196.31M) · Frederick Community Bank, The ($196.11M)
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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