The First National Bank of Waverly is a national bank headquartered in Waverly, Ohio, in business for about 125 years. At the end of Q2 2026 it reported $196.2M in total assets and $172.6M in deposits, with 4 offices.
Based on its Q2 2026 filing, The First National Bank of Waverly scores 41/100, which we describe as below average. That is higher than only 3% of 2,650 banks with $100 million – $1 billion. Among 157 banks headquartered in Ohio, it ranks 157th. Its strongest component is funding & liquidity (83/100; 54% loans-to-deposits, 31% uninsured), and its lowest is loan quality (0/100; 3.61%).
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
From Q2 2025 to Q2 2026, the score rose 6 points (35 → 41), mostly because the earnings component improved by 25 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 51 |
| Q3 2024 | 35 |
| Q4 2024 | 36 |
| Q1 2025 | 33 |
| Q2 2025 | 35 |
| Q3 2025 | 36 |
| Q4 2025 | 37 |
| Q1 2026 | 38 |
| Q2 2026 | 41 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 7.21% |
| Q3 2024 | 7.25% |
| Q4 2024 | 7.81% |
| Q1 2025 | 8.08% |
| Q2 2025 | 8.31% |
| Q3 2025 | 8.44% |
| Q4 2025 | 8.95% |
| Q1 2026 | 9.00% |
| Q2 2026 | 9.22% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.77% |
| Q3 2024 | 2.16% |
| Q4 2024 | 2.32% |
| Q1 2025 | 2.94% |
| Q2 2025 | 2.98% |
| Q3 2025 | 2.96% |
| Q4 2025 | 3.33% |
| Q1 2026 | 3.83% |
| Q2 2026 | 3.61% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | -0.03% |
| Q3 2024 | -0.44% |
| Q4 2024 | -0.45% |
| Q1 2025 | 0.02% |
| Q2 2025 | 0.12% |
| Q3 2025 | 0.22% |
| Q4 2025 | 0.25% |
| Q1 2026 | 0.56% |
| Q2 2026 | 0.74% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 41 | $196.2M | 9.22% | 3.61% | 0.74% | 54.3% |
| Q1 2026 | 38 | $204.4M | 9.00% | 3.83% | 0.56% | 50.3% |
| Q4 2025 | 37 | $196.2M | 8.95% | 3.33% | 0.25% | 53.8% |
| Q3 2025 | 36 | $212.8M | 8.44% | 2.96% | 0.22% | 48.6% |
| Q2 2025 | 35 | $209.8M | 8.31% | 2.98% | 0.12% | 51.4% |
| Q1 2025 | 33 | $218.6M | 8.08% | 2.94% | 0.02% | 51.8% |
| Q4 2024 | 36 | $220.8M | 7.81% | 2.32% | -0.45% | 56.2% |
| Q3 2024 | 35 | $240.2M | 7.25% | 2.16% | -0.44% | 54.7% |
| Q2 2024 | 51 | $228.5M | 7.21% | 0.77% | -0.03% | 60.2% |
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 |
|---|---|---|---|---|---|
| First Federal Savings and Loan Association of Van WertBank Van Wert, OH | 67 out of 100, Moderate | $197.4M | 13.5% | 1.32% | vs |
| The Cincinnatus Savings & Loan Co.Bank Cincinnati, OH | 84 out of 100, Strong | $193.1M | 15.3% | 0.26% | vs |
| The First National Bank of McConnelsvilleBank Mcconnelsville, OH | 64 out of 100, Moderate | $200.2M | 8.6% | 0.86% | vs |
| Independence BankBank Independence, OH | 81 out of 100, Strong | $191.2M | 14.5% | 0.26% | vs |
| The Peoples Savings BankBank Urbana, OH | 57 out of 100, Moderate | $189.3M | 9.0% | 0.87% | vs |
| Farmers State BankBank West Salem, OH | 72 out of 100, Strong | $187.5M | 9.3% | 0.00% | vs |
Deposit insurance
Is my money safe at The First National Bank of Waverly?
Yes. The First National Bank of Waverly is an FDIC-insured institution (FDIC certificate #6725). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 30.6% of deposits ($52.9M) 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 9.22%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 22.73% (benchmark: 10%).
4 locations
Branches
The First National Bank of Waverly lists 4 offices in 3 cities. Most locations:
- Piketon, OH (2)
- Beaver, OH (1)
- Waverly, OH (1)
Identity & history
Profile
- Legal name
- The First National Bank of Waverly
- Type
- National bank
- FDIC certificate #
- 6725
- RSSD ID
- 263627
- Primary regulator
- OCC
- Holding company
- Central Ohio Bcorp
- Established
- January 1, 1901
- Headquarters
- 107 N Market St, Waverly, OH 45690
- Website
- www.thefirstnational.com
- Employees
- 33
Quick answers
The First National Bank of Waverly: common questions
Is The First National Bank of Waverly FDIC insured?
Yes. The First National Bank of Waverly is an FDIC-insured institution (FDIC certificate #6725). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The First National Bank of Waverly's TellerScore?
41 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has The First National Bank of Waverly ever failed?
There is no failure record for FDIC certificate #6725 in the FDIC failed bank list.
How many branches does The First National Bank of Waverly have?
4 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Waverly
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Chivaho Federal Credit UnionCredit union Chillicothe, OH | 84 out of 100, Strong | $37.7M | 13.9% | 0.27% | vs |
| Homeland Credit UnionCredit union Chillicothe, OH | 82 out of 100, Strong | $624.2M | 15.8% | 1.10% | vs |
| Desco Federal Credit UnionCredit union Portsmouth, OH | 76 out of 100, Strong | $550.7M | 11.8% | 0.51% | vs |
| Union Savings BankBank Cincinnati, OH | 74 out of 100, Strong | $4.0B | 10.5% | 0.70% | vs |
| The Vinton County National BankBank Mcarthur, OH | 73 out of 100, Strong | $1.6B | 10.5% | 0.27% | vs |
| Southern Hills Community BankBank Leesburg, OH | 71 out of 100, Strong | $209.6M | 13.8% | 1.58% | vs |