BlastPoint's Banking Scorecard
The First National Bank of Waverly
Micro
Specialty: Other
OH
FDIC cert 6725
Designations: ✓ Community bank
Waverly, OH
2498
banks in Micro tier nationally
102 in OH
View Micro leaderboard (OH) →
The First National Bank of Waverly faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.48% below tier
- - Efficiency Ratio 23.40% above tier
- - Delinquency Rate 2.72% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$196.2M
-11.1% YoY
-7.8% QoQ
|
-$21.3M |
$217.5M
+2.3% YoY
|
$33.1B
+6.9% YoY
|
$5.9B
+6.5% YoY
|
50% |
| Total Loans ? |
$93.0M
-9.5% YoY
+1.0% QoQ
|
-$46.2M |
$139.2M
+2.8% YoY
|
$14.9B
+8.3% YoY
|
$3.1B
+8.5% YoY
|
40% |
| Total Deposits ? |
$172.9M
-5.5% YoY
-8.8% QoQ
|
-$10.7M |
$183.7M
+1.8% YoY
|
$24.6B
+5.7% YoY
|
$4.7B
+6.3% YoY
|
52% |
| Return on Assets ? |
0.25%
+156.3% YoY
+16.7% QoQ
|
-0.83% |
1.08%
+14.7% YoY
|
0.85%
+32.0% YoY
|
1.12%
+15.6% YoY
|
Bottom 11% in tier |
| Net Interest Margin ? |
2.37%
+32.4% YoY
+6.1% QoQ
|
-1.48% |
3.85%
+6.6% YoY
|
3.56%
+10.4% YoY
|
3.75%
+7.1% YoY
|
Bottom 4% in tier |
| Efficiency Ratio ? |
91.13%
-15.2% YoY
-1.9% QoQ
|
+23.40% |
67.73%
-4.8% YoY
|
71.79%
-6.6% YoY
|
65.09%
-5.1% YoY
|
Bottom 9% in tier |
| Delinquency Rate ? |
3.36%
+43.8% YoY
+12.3% QoQ
|
+2.72% |
0.64%
+24.4% YoY
|
0.53%
+11.7% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
53.79%
-4.2% YoY
+10.7% QoQ
|
-20.73% |
74.53%
+0.5% YoY
|
81.05%
+0.1% YoY
|
78.04%
+0.7% YoY
|
83% |
| Non-Interest-Bearing Deposit Share ? |
26.41%
+12.6% YoY
+11.6% QoQ
|
+4.02% |
22.39%
-1.3% YoY
|
17.48%
-2.0% YoY
|
21.79%
-1.3% YoY
|
68% |
| Nonperforming Asset Ratio ? |
1.59%
+44.2% YoY
+21.1% QoQ
|
+1.14% |
0.45%
+25.1% YoY
|
0.34%
+9.4% YoY
|
0.48%
+20.8% YoY
|
Bottom 10% in tier |
| Tier 1 Capital Ratio ? |
20.56%
+14.7% YoY
+3.0% QoQ
|
+11.71% |
8.85%
-3.4% YoY
|
9.14%
+0.8% YoY
|
9.75%
-1.9% YoY
|
Top 13% in tier |
| Non-Interest Income / Assets ? |
0.52%
+14.7% YoY
+47.0% QoQ
|
-0.04% |
0.56%
+0.3% YoY
|
0.55%
+0.1% YoY
|
0.65%
+0.6% YoY
|
71% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Net Interest Margin
metric
Bottom 4%
in Micro
Why this stands out
Current:
2.37%
(Tier avg: 3.85%, National avg: 3.75%)
Efficiency Ratio
metric
Bottom 9%
in Micro
Why this stands out
Current:
91.13%
(Tier avg: 67.73%, National avg: 65.09%)
Delinquency Rate
metric
Bottom 1%
in Micro
Why this stands out
Current:
3.36%
(Tier avg: 0.64%, National avg: 0.66%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
87
87th pctile
Tier 1 Capital Ratio
Current: 20.56% · Tier avg: 8.85%
83
83th pctile
Loan-to-Deposit Ratio
Current: 53.79% · Tier avg: 74.53%
71
71th pctile
Non-Interest Income / Assets
Current: 0.52% · Tier avg: 0.56%
68
68th pctile
Non-Interest-Bearing Deposit Share
Current: 26.41% · Tier avg: 22.39%
52
52th pctile
Total Deposits
Current: $172.9M · Tier avg: $183.7M
50
50th pctile
Total Assets
Current: $196.2M · Tier avg: $217.5M
40
40th pctile
Total Loans
Current: $93.0M · Tier avg: $139.2M
11
11th pctile
Return on Assets
Current: 0.25% · Tier avg: 1.08%
10
10th pctile
Nonperforming Asset Ratio
Current: 1.59% · Tier avg: 0.45%
9
9th pctile
Efficiency Ratio
Current: 91.13% · Tier avg: 67.73%
4
4th pctile
Net Interest Margin
Current: 2.37% · Tier avg: 3.85%
0
0th pctile
Delinquency Rate
Current: 3.36% · Tier avg: 0.64%
Top Weaknesses
0
0th pctile
Delinquency Rate
Current: 3.36% · Tier avg: 0.64%
4
4th pctile
Net Interest Margin
Current: 2.37% · Tier avg: 3.85%
9
9th pctile
Efficiency Ratio
Current: 91.13% · Tier avg: 67.73%
10
10th pctile
Nonperforming Asset Ratio
Current: 1.59% · Tier avg: 0.45%
11
11th pctile
Return on Assets
Current: 0.25% · Tier avg: 1.08%
40
40th pctile
Total Loans
Current: $93.0M · Tier avg: $139.2M
50
50th pctile
Total Assets
Current: $196.2M · Tier avg: $217.5M
52
52th pctile
Total Deposits
Current: $172.9M · Tier avg: $183.7M
68
68th pctile
Non-Interest-Bearing Deposit Share
Current: 26.41% · Tier avg: 22.39%
71
71th pctile
Non-Interest Income / Assets
Current: 0.52% · Tier avg: 0.56%
83
83th pctile
Loan-to-Deposit Ratio
Current: 53.79% · Tier avg: 74.53%
87
87th pctile
Tier 1 Capital Ratio
Current: 20.56% · Tier avg: 8.85%