The First National Bank of Waverly
Waverly, OH
IDRSSD: 263627
Total Assets
$196.17M
Latest filing
Total Deposits
$172.94M
Latest filing
Net Interest Margin
2.75%
Profitability
Key People
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Locations
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Main Office
The First National Bank of Waverly
107 N Market St
Waverly, OH 45690
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1901FDIC Certificate 4507
Branches (3)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| The First National Bank of Waverly (Main) | 107 N Market St | Waverly, OH |
| PIKETON BRANCH | 101 Thornton Dr | Piketon, OH |
| BEAVER BRANCH | 310 3rd St | Beaver, OH |
| LATHAM BRANCH | 13256 State Route 124 | Piketon, OH |
Showing 3 of 3
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 | Commercial bank, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 01/01/1901 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 45690 |
| State and County Number | 39131 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 04 |
| Numeric code | 3 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 33 |
| Domestic Offices | 4 |
| 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 | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.thefirstnational.com |
| Data Updated | 01/30/2026 |
| CERT | 6725 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $196.17M |
| Total Deposits | $172.94M |
| Total Liabilities | $177.93M |
| Total Equity Capital | $18.25M |
| Net Income | $186.00k |
| Net Loans and Leases | $93.03M |
| Assets Per Employee ($Millions) | $6.13M |
| Bank Premises and Fixed Assets | $1.14M |
| Cash and Balances due from Depository Institutions | $8.11M |
| Deposits Held in Domestic Offices | $172.94M |
Key Performance Ratios
| Return on Assets (ROA) | 0.36% |
| Return on Equity (ROE) | 4.08% |
| Net Interest Margin | 2.75% |
| Efficiency Ratio | 86.52% |
| Tier 1 Risk-Based Capital Ratio | 20.561% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.301% |
| Earning Assets to total Assets | 92.05% |
Income and Expense
| Total Interest Income | $1.76M |
| Total Noninterest Income | $268.00k |
| Total Interest Expense | $467.00k |
| Total Noninterest Expense | $1.35M |
| Net Interest Income | $1.30M |
| Pre-tax Net Operating Income | $210.00k |
| Provision for Credit Losses | $1.00k |
| 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 | $6.59M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $4.99M |
| Total Liabilities and Capital | $196.17M |
Securities
| Securities | $74.06M |
| Available-for-sale debt securities | $0 |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $74.06M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of The First National Bank of Waverly?
$196.17M as of the latest filing.
How much are The First National Bank of Waverly's total deposits?
$172.94M in total deposits.
Where is The First National Bank of Waverly located?
Waverly, OH.
What is the Net Interest Margin?
2.75%.
How many domestic offices does it operate?
4.
When was it established?
01/01/1901.
What is the Return on Assets (ROA)?
0.36%.
How much are total loans and leases?
$93.03M (latest filing).
What is the total interest income (latest filing)?
$1.76M.