The First National Bank of Waverly
Waverly, OH
IDRSSD: 263627
Total Assets
$212.75M
Latest filing
Total Deposits
$189.55M
Latest filing
Net Interest Margin
2.35%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
The First National Bank of Waverly
107 N Market St
Waverly, OH 45690
Full Service - Brick and Mortar
Updated 11/14/2025Established 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 | 38 |
| 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 | 11/14/2025 |
| CERT | 6725 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $212.75M |
| Total Deposits | $189.55M |
| Total Liabilities | $194.56M |
| Total Equity Capital | $18.19M |
| Net Income | $221.00k |
| Net Loans and Leases | $92.08M |
| Assets Per Employee ($Millions) | $6.45M |
| Bank Premises and Fixed Assets | $1.18M |
| Cash and Balances due from Depository Institutions | $9.50M |
| Deposits Held in Domestic Offices | $189.55M |
Key Performance Ratios
| Return on Assets (ROA) | 0.42% |
| Return on Equity (ROE) | 4.89% |
| Net Interest Margin | 2.35% |
| Efficiency Ratio | 87.52% |
| Tier 1 Risk-Based Capital Ratio | 19.971% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | -0.15% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.551% |
| Earning Assets to total Assets | 92.54% |
Income and Expense
| Total Interest Income | $1.73M |
| Total Noninterest Income | $255.00k |
| Total Interest Expense | $579.00k |
| Total Noninterest Expense | $1.23M |
| Net Interest Income | $1.15M |
| Pre-tax Net Operating Income | $256.00k |
| Provision for Credit Losses | $-81,000 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $45.00k |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $7.29M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $5.00M |
| Total Liabilities and Capital | $212.75M |
Securities
| Securities | $89.55M |
| Available-for-sale debt securities | $0 |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $89.55M |
| 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?
$212.75M as of the latest filing.
How much are The First National Bank of Waverly's total deposits?
$189.55M in total deposits.
Where is The First National Bank of Waverly located?
Waverly, OH.
What is the Net Interest Margin?
2.35%.
How many domestic offices does it operate?
4.
When was it established?
01/01/1901.
What is the Return on Assets (ROA)?
0.42%.
How much are total loans and leases?
$92.08M (latest filing).
What is the total interest income (latest filing)?
$1.73M.