Side-by-side · Q2 2026 data
The First National Bank of Waverly vs The Cincinnatus Savings & Loan Co.
Metric by metric
| Measure | The First National Bank of Waverly | The Cincinnatus Savings & Loan Co. |
|---|---|---|
| TellerScore | 41 | 84 (stronger) |
| Capital cushion | 42 | 100 (stronger) |
| Loan quality | 0 | 91 (stronger) |
| Earnings | 50 | 57 (stronger) |
| Funding & liquidity | 83 (stronger) | 67 |
| Problem-loan coverage | 64 | 98 (stronger) |
| Peer percentile | 3rd | 86th |
| Total assets | $196.2M | $193.1M |
| Deposits / shares | $172.6M | $163.0M |
| Capital ratio | 9.22% | 15.26% (stronger) |
| Problem loans | 3.61% | 0.26% (stronger) |
| Net charge-offs | 0.03% | -0.11% (stronger) |
| Return on assets | 0.74% | 0.93% (stronger) |
| Loans ÷ deposits | 54.3% (stronger) | 77.9% |
| Uninsured deposits | 30.6% | 29.1% (stronger) |
| Offices | 4 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Cincinnatus Savings & Loan Co. has the higher TellerScore (84 vs 41). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Waverly leads on 1 and The Cincinnatus Savings & Loan Co. on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.