The Cincinnatus Savings & Loan Co.
Cincinnati, OH
IDRSSD: 815772
Total Assets
$184.39M
Latest filing
Total Deposits
$154.69M
Latest filing
Net Interest Margin
3.51%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
The Cincinnatus Savings & Loan Co.
3300 Harrison Ave
Cincinnati, OH 45211
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1885FDIC Certificate 40991
Branches (2)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| The Cincinnatus Savings & Loan Co. (Main) | 3300 Harrison Ave | Cincinnati, OH |
| 3664 SPRINGDALE RD BRANCH | 3664 Springdale Rd | Cincinnati, OH |
| HARRISON BRANCH | 1100 Harrison Ave | Harrison, OH |
Showing 2 of 2
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | N/A |
| Primary Regulator | FDIC |
| Established Date | 01/01/1885 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 45211 |
| State and County Number | 39061 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 04 |
| Numeric code | 35 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Cincinnati, OH-KY-IN |
Operational Info
| Number of Employees | 21 |
| Domestic Offices | 3 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 08/09/1989 |
| Primary Insurance Agency | DIF |
| Website | www.cincinnatussl.com |
| Data Updated | 01/30/2026 |
| CERT | 28157 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $184.39M |
| Total Deposits | $154.69M |
| Total Liabilities | $156.26M |
| Total Equity Capital | $28.13M |
| Net Income | $438.00k |
| Net Loans and Leases | $128.40M |
| Assets Per Employee ($Millions) | $8.78M |
| Bank Premises and Fixed Assets | $3.46M |
| Cash and Balances due from Depository Institutions | $10.33M |
| Deposits Held in Domestic Offices | $154.69M |
Key Performance Ratios
| Return on Assets (ROA) | 0.96% |
| Return on Equity (ROE) | 6.3% |
| Net Interest Margin | 3.51% |
| Efficiency Ratio | 66.31% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.01% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 15.253% |
| Earning Assets to total Assets | 93.93% |
Income and Expense
| Total Interest Income | $2.37M |
| Total Noninterest Income | $180.00k |
| Total Interest Expense | $876.00k |
| Total Noninterest Expense | $1.11M |
| Net Interest Income | $1.49M |
| Pre-tax Net Operating Income | $558.00k |
| Provision for Credit Losses | $6.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.57M |
| Total Liabilities and Capital | $184.39M |
Securities
| Securities | $35.36M |
| Available-for-sale debt securities | $35.36M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of The Cincinnatus Savings & Loan Co.?
$184.39M as of the latest filing.
How much are The Cincinnatus Savings & Loan Co.'s total deposits?
$154.69M in total deposits.
Where is The Cincinnatus Savings & Loan Co. located?
Cincinnati, OH.
What is the Net Interest Margin?
3.51%.
How many domestic offices does it operate?
3.
When was it established?
01/01/1885.
What is the Return on Assets (ROA)?
0.96%.
How much are total loans and leases?
$128.40M (latest filing).
What is the total interest income (latest filing)?
$2.37M.