The Cincinnatus Savings & Loan Co. (FDIC certificate #28157) is based in Cincinnati, Ohio. Its Q2 2026 call report shows $193.1M in total assets and $163.0M in deposits and 3 offices.
The Cincinnatus Savings & Loan Co. has a TellerScore of 84 out of 100 (strong) based on Q2 2026 data — higher than 86% of its 2,650 banks with $100 million – $1 billion. Among 157 banks headquartered in Ohio, it ranks 17th. Capital cushion contributes the most (100/100, 15.26%); earnings contributes the least (57/100, 0.93%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (85 → 84).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 82 |
| Q3 2024 | 83 |
| Q4 2024 | 82 |
| Q1 2025 | 85 |
| Q2 2025 | 85 |
| Q3 2025 | 86 |
| Q4 2025 | 85 |
| Q1 2026 | 86 |
| Q2 2026 | 84 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 18.97% |
| Q3 2024 | 17.03% |
| Q4 2024 | 15.99% |
| Q1 2025 | 15.97% |
| Q2 2025 | 15.85% |
| Q3 2025 | 15.74% |
| Q4 2025 | 15.46% |
| Q1 2026 | 15.21% |
| Q2 2026 | 15.26% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.10% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.08% |
| Q4 2025 | 0.15% |
| Q1 2026 | 0.08% |
| Q2 2026 | 0.26% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.63% |
| Q3 2024 | 0.64% |
| Q4 2024 | 0.68% |
| Q1 2025 | 0.91% |
| Q2 2025 | 1.03% |
| Q3 2025 | 1.06% |
| Q4 2025 | 1.03% |
| Q1 2026 | 0.93% |
| Q2 2026 | 0.93% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 84 | $193.1M | 15.26% | 0.26% | 0.93% | 77.9% |
| Q1 2026 | 86 | $191.0M | 15.21% | 0.08% | 0.93% | 77.3% |
| Q4 2025 | 85 | $184.4M | 15.46% | 0.15% | 1.03% | 83.0% |
| Q3 2025 | 86 | $178.8M | 15.74% | 0.08% | 1.06% | 83.8% |
| Q2 2025 | 85 | $178.8M | 15.85% | 0.00% | 1.03% | 89.5% |
| Q1 2025 | 85 | $172.6M | 15.97% | 0.00% | 0.91% | 82.5% |
| Q4 2024 | 82 | $165.7M | 15.99% | 0.10% | 0.68% | 85.6% |
| Q3 2024 | 83 | $167.5M | 17.03% | 0.00% | 0.64% | 83.4% |
| Q2 2024 | 82 | $136.9M | 18.97% | 0.00% | 0.63% | 107.3% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Ohio
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Independence BankBank Independence, OH | 81 out of 100, Strong | $191.2M | 14.5% | 0.26% | vs |
| The First National Bank of WaverlyBank Waverly, OH | 41 out of 100, Below average | $196.2M | 9.2% | 3.61% | vs |
| The Peoples Savings BankBank Urbana, OH | 57 out of 100, Moderate | $189.3M | 9.0% | 0.87% | vs |
| First Federal Savings and Loan Association of Van WertBank Van Wert, OH | 67 out of 100, Moderate | $197.4M | 13.5% | 1.32% | vs |
| Farmers State BankBank West Salem, OH | 72 out of 100, Strong | $187.5M | 9.3% | 0.00% | vs |
| Valley Central BankBank Liberty Township, OH | 62 out of 100, Moderate | $186.7M | 20.1% | 2.17% | vs |
Deposit insurance
Is my money safe at The Cincinnatus Savings & Loan Co.?
Yes. The Cincinnatus Savings & Loan Co. is an FDIC-insured institution (FDIC certificate #28157). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 29.1% of deposits ($47.5M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 15.26%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
3 locations
Branches
The Cincinnatus Savings & Loan Co. lists 3 offices in 2 cities. Most locations:
- Cincinnati, OH (2)
- Harrison, OH (1)
Identity & history
Profile
- Legal name
- The Cincinnatus Savings & Loan Co.
- Former names
- Cincinnatus Savings and Loan Company
- Type
- Savings association
- FDIC certificate #
- 28157
- RSSD ID
- 815772
- Primary regulator
- FDIC
- Holding company
- Cincinnatus Cmty Bcorp Mhc
- Established
- January 1, 1885
- Headquarters
- 3300 Harrison Ave, Cincinnati, OH 45211
- Website
- www.cincinnatussl.com
- Employees
- 21
Quick answers
The Cincinnatus Savings & Loan Co.: common questions
Is The Cincinnatus Savings & Loan Co. FDIC insured?
Yes. The Cincinnatus Savings & Loan Co. is an FDIC-insured institution (FDIC certificate #28157). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The Cincinnatus Savings & Loan Co.'s TellerScore?
84 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has The Cincinnatus Savings & Loan Co. ever failed?
There is no failure record for FDIC certificate #28157 in the FDIC failed bank list.
How many branches does The Cincinnatus Savings & Loan Co. have?
3 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Cincinnati
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Superior Credit Union, IncCredit union Lima, OH | 94 out of 100, Very strong | $2.0B | 15.2% | 0.20% | vs |
| Cincinnati Interagency Federal Credit UnionCredit union Cincinnati, OH | 92 out of 100, Very strong | $30.8M | 18.2% | 0.82% | vs |
| Children'S Medical Center Federal Credit UnionCredit union Cincinnati, OH | 91 out of 100, Very strong | $46.8M | 20.3% | 0.52% | vs |
| Northern Kentucky Federal Credit UnionCredit union Highland Height, KY | 91 out of 100, Very strong | $43.1M | 14.0% | 0.29% | vs |
| Deca Credit UnionCredit union Cincinnati, OH | 90 out of 100, Very strong | $7.6M | 18.9% | 0.45% | vs |
| St. James Parish Credit UnionCredit union Cincinnati, OH | 90 out of 100, Very strong | $5.9M | 21.8% | 0.00% | vs |