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THE FIRST NATIONAL BANK OF WAVERLY

WAVERLY, OH · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1901FDIC #6,725
Outstanding Same

Current rating · Exam: May 2023

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 0.56%

Institution Profile

FDIC BankFind

Address

107 N Market St, WAVERLY, OH

County

Pike County

Established

January 1, 1901

Total Assets

$204M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

May 8, 2023

Exam Type

Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)
What is a CRA rating? →
Estimated next exam:May 2028(based on asset size)
Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$204M

Total Deposits

$181M

Net Loans

$91M

Net Income

$282K

ROA

0.56%

ROE

6.16%

Risk-Based Capital

22.42%

Regulatory minimum: 8%

Branch Footprint

FDIC SOD 2025

Total Branches

4

Branch Deposits

$187M

1-Year Change

0

5-year net change: -1 branches

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

6 previous ratings locked — dating back to 1993

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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