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The Cincinnatus Savings & Loan Co.

$100M-$1B Specialty: Commercial OH FDIC cert 28157

Cincinnati, OH

3 branches across OH

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 96 in OH.
  • Deposits +14.7% year over year ($163.0M on the books).
  • Delinquency rate 0.26%.
  • Return on assets 0.93%.
  • Efficiency ratio 64.82% vs a 64.48% peer average.
  • Loan-to-deposit ratio 77.89% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 96 in OH
View $100M-$1B leaderboard (OH) →

The Cincinnatus Savings & Loan Co. has 1 strength but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Delinquency Rate 0.65% below tier average

Key Concerns

Areas that may need attention

  • - NIB Deposit Bleed: Bottom 17.3% in tier
  • - Credit Quality Pressure: Bottom 36.4% in tier
  • - Margin Compression: Bottom 45.0% in tier
  • - Net Interest Margin 0.51% below tier average
  • - Efficiency Ratio 0.34% above tier average
Get updates when The Cincinnatus Savings & Loan Co. releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Total Assets ? $193.1M
+8.0% YoY +1.1% QoQ
-$193.5M $386.6M
+1.2% YoY
$36.7B
+9.4% YoY
$6.3B
+7.7% YoY
25%
Total Loans ? $127.0M
-0.2% YoY +1.7% QoQ
-$131.4M $258.3M
+1.7% YoY
$16.2B
+12.1% YoY
$3.2B
+9.4% YoY
27%
Total Deposits ? $163.0M
+14.7% YoY +0.9% QoQ
-$163.7M $326.7M
+0.7% YoY
$26.4B
+7.6% YoY
$4.9B
+7.3% YoY
25%
Return on Assets ? 0.93%
-10.3% YoY -0.0% QoQ
-0.39% 1.32%
+10.8% YoY
1.21%
+9.4% YoY
1.30%
+12.1% YoY
30%
Net Interest Margin ? 3.48%
-1.0% YoY -1.3% QoQ
-0.51% 3.99%
+5.0% YoY
3.65%
+6.4% YoY
3.95%
+4.9% YoY
27%
Efficiency Ratio ? 64.82%
+2.3% YoY +0.3% QoQ
+0.34% 64.48%
-3.2% YoY
70.70%
-3.8% YoY
70.05%
+2.5% YoY
43%
Delinquency Rate ? 0.26%
+243.2% QoQ
-0.65% 0.92%
+15.7% YoY
0.68%
+23.3% YoY
0.98%
+16.3% YoY
60%
Loan-to-Deposit Ratio ? 77.89%
-13.0% YoY +0.8% QoQ
-0.06% 77.95%
+1.0% YoY
79.88%
+0.7% YoY
79.03%
+2.3% YoY
54%
Non-Interest-Bearing Deposit Share ? 9.77%
-25.6% YoY -7.2% QoQ
-12.26% 22.03%
-0.6% YoY
18.59%
+0.9% YoY
21.98%
-0.6% YoY
Bottom 10.2% in tier
Nonperforming Asset Ratio ? 0.17%
+245.3% QoQ
-0.50% 0.67%
+16.4% YoY
0.46%
+23.9% YoY
0.69%
+15.8% YoY
63%
Tier 1 Capital Ratio ? 15.26%
-3.7% YoY +0.3% QoQ
-0.65% 15.91%
+1.4% YoY
18.68%
-0.2% YoY
17.09%
+0.8% YoY
68%
Non-Interest Income / Assets ? 0.12%
+1.7% YoY +130.2% QoQ
-0.44% 0.57%
+7.6% YoY
1.22%
+2.7% YoY
0.66%
+5.2% YoY
26%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Noninterest-Bearing 9.8%
-3.4pp YoY
-0.8pp QoQ
 -12.4pp 22.1% 18.8% 22.2% 10%
Brokered Deposits 1.2%
-0.9pp YoY
+0.9pp QoQ
 -6.6pp 7.9% 7.7% 8.5% 21%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
C&I 7.1%
+3.5pp YoY
+2.5pp QoQ
 -4.5pp 11.6% 10.2% 12.5% 33%
CRE 55.2%
+0.6pp YoY
-1.8pp QoQ
 +15.6pp 39.5% 34.2% 41.4% 78%
1-4 Family 35.8%
-5.1pp YoY
-0.4pp QoQ
 +3.1pp 32.6% 50.0% 31.3% 63%
Consumer 1.4%
-0.5pp YoY
-0.2pp QoQ
 -2.7pp 4.1% 4.7% 5.0% 38%

Capital

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 22.1% 19.7% n/a
Leverage Ratio 15.3%
-0.6pp YoY
0.0pp QoQ
 +3.1pp 12.2% 12.9% 12.6% 88%
Total Capital Ratio n/a n/a 19.9% 23.2% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Full-Time Employees 21
0 YoY
0 QoQ
 -38 58 2,433 482 12%
Assets per Employee ($) $9.2M
+8.0% YoY
+1.1% QoQ
 +$1.7M $7.5M $7.6M $8.8M 81%
Branch Count 3
0 YoY
0 QoQ
 -2 4 81 18 26%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Past Due 90+ Days 0.2% -0.2pp 0.3% 0.2% 0.4% 60%
Nonaccrual 0.1%
+0.1pp YoY
0.0pp QoQ
 -0.8pp 0.9% 0.6% 1.0% 19%
Allowance Coverage 3.94x
-99.7% YoY
-69.5% QoQ
 -20.22x 24.15x 18.95x 20.23x 65%
Net Charge-off Rate (YTD) -0.1%
-0.1pp YoY
-0.1pp QoQ
 -0.3pp 0.1% 0.1% 0.2% 2%

Profitability

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
ROE 6.2%
-0.6pp YoY
0.0pp QoQ
 -6.0pp 12.2% 9.7% 11.6% 18%
Cost of Funds (YTD) 2.0%
0.0pp YoY
+0.1pp QoQ
 +0.3pp 1.7% 1.7% 1.7% 68%
Net Income ($, YTD) $880,000
-1.3% YoY
— QoQ
 -$1.7M $2.6M $259.3M $40.4M 23%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (3)

NIB Deposit Bleed

decline
#29 of 162 • Bottom 17.3% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature
Noninterest-Bearing Deposit Share: 9.77%
(Tier: 22.03%, National: 21.98%)
worse than tier avg
162 of 162 Community banks match · 211 nationally
↓ Shrinking -26 banks QoQ | QoQ rank improving

Credit Quality Pressure

risk
#458 of 1256 • Bottom 36.4% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.26%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank declining

Margin Compression

decline
#139 of 307 • Bottom 45.0% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature
Return on Assets: 0.93%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
307 of 307 Community banks match · 413 nationally
→ Stable +8 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (3 metrics)

2375
Non-Interest-Bearing Deposit Share
funding
Value: 9.77%
Peer Median: 22.03%
#2375 of 2643 Bottom 10.2% in $100M-$1B
1988
Total Deposits
size
Value: $163.03M
Peer Median: $326.73M
#1988 of 2643 Bottom 24.8% in $100M-$1B
1986
Total Assets
size
Value: $193.10M
Peer Median: $386.57M
#1986 of 2643 Bottom 24.9% in $100M-$1B
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