BlastPoint's Banking Scorecard

The First National Bank of Waverly

$100M-$1B Specialty: Other OH FDIC cert 6725

Waverly, OH

4 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 -7.6% year over year ($172.6M on the books).
Delinquency rate 3.65%.
Return on assets 0.74%.
Efficiency ratio 74.76% vs a 64.48% peer average.
Loan-to-deposit ratio 54.35% 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 First National Bank of Waverly faces 6 concerns requiring attention

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

No key strengths identified

Key Concerns

Areas that may need attention

- Deposit Outflow: Bottom 41.1% in tier
- Delinquency Rate 2.73% above tier average
- Nonperforming Asset Ratio 1.13% above tier average
- ROA 0.58% below tier average
- Net Interest Margin 0.76% below tier average
- Efficiency Ratio 10.28% above tier average

Get updates when The First National Bank of Waverly releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Total Assets ?	$196.2M -6.5% YoY -4.0% QoQ	-$190.4M	$386.6M +1.2% YoY	$36.7B +9.4% YoY	$6.3B +7.7% YoY	26%
Total Loans ?	$93.8M -2.4% YoY +3.0% QoQ	-$164.6M	$258.3M +1.7% YoY	$16.2B +12.1% YoY	$3.2B +9.4% YoY	16%
Total Deposits ?	$172.6M -7.6% YoY -4.6% QoQ	-$154.2M	$326.7M +0.7% YoY	$26.4B +7.6% YoY	$4.9B +7.3% YoY	27%
Return on Assets ?	0.74% +511.1% YoY +31.4% QoQ	-0.58%	1.32% +10.8% YoY	1.21% +9.4% YoY	1.30% +12.1% YoY	20%
Net Interest Margin ?	3.23% +46.9% YoY +7.0% QoQ	-0.76%	3.99% +5.0% YoY	3.65% +6.4% YoY	3.95% +4.9% YoY	17%
Efficiency Ratio ?	74.76% -21.9% YoY -6.1% QoQ	+10.28%	64.48% -3.2% YoY	70.70% -3.8% YoY	70.05% +2.5% YoY	21%
Delinquency Rate ?	3.65% +21.2% YoY -5.5% QoQ	+2.73%	0.92% +15.7% YoY	0.68% +23.3% YoY	0.98% +16.3% YoY	Bottom 4.2% in tier
Loan-to-Deposit Ratio ?	54.35% +5.7% YoY +8.0% QoQ	-23.60%	77.95% +1.0% YoY	79.88% +0.7% YoY	79.03% +2.3% YoY	Top 12.0% in tier
Non-Interest-Bearing Deposit Share ?	24.50% +8.4% YoY +1.8% QoQ	+2.47%	22.03% -0.6% YoY	18.59% +0.9% YoY	21.98% -0.6% YoY	64%
Nonperforming Asset Ratio ?	1.80% +28.6% YoY +1.4% QoQ	+1.13%	0.67% +16.4% YoY	0.46% +23.9% YoY	0.69% +15.8% YoY	Bottom 9.2% in tier
Tier 1 Capital Ratio ?	21.78% +14.2% YoY +1.5% QoQ	+5.87%	15.91% +1.4% YoY	18.68% -0.2% YoY	17.09% +0.8% YoY	Top 10.7% in tier
Non-Interest Income / Assets ?	0.27% +12.5% YoY +107.9% QoQ	-0.30%	0.57% +7.6% YoY	1.22% +2.7% YoY	0.66% +5.2% YoY	66%

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	24.5% +1.9pp YoY +0.4pp QoQ	+2.4pp	22.1%	18.8%	22.2%	64%
Brokered Deposits	n/a	n/a	7.9%	7.7%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
C&I	6.2% -1.8pp YoY +0.2pp QoQ	-5.3pp	11.6%	10.2%	12.5%	27%
CRE	44.2% +1.8pp YoY 0.0pp QoQ	+4.6pp	39.5%	34.2%	41.4%	60%
1-4 Family	44.3% +0.4pp YoY -0.3pp QoQ	+11.7pp	32.6%	50.0%	31.3%	76%
Consumer	2.4% +0.2pp YoY +0.4pp QoQ	-1.7pp	4.1%	4.7%	5.0%	53%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
CET1 Ratio	21.8% +2.7pp YoY +0.3pp QoQ	+3.0pp	18.8%	22.1%	19.7%	82%
Leverage Ratio	9.2% +0.9pp YoY +0.2pp QoQ	-3.0pp	12.2%	12.9%	12.6%	15%
Total Capital Ratio	22.7% +2.8pp YoY +0.3pp QoQ	+2.8pp	19.9%	23.2%	20.8%	82%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Full-Time Employees	33 -5 (-13.2%) YoY 0 QoQ	-26	58	2,433	482	31%
Assets per Employee ($)	$5.9M +7.7% YoY -4.0% QoQ	-$1.6M	$7.5M	$7.6M	$8.8M	32%
Branch Count	4 0 YoY 0 QoQ	-1	4	81	18	42%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Past Due 90+ Days	0.5% -0.4pp QoQ	+0.2pp	0.3%	0.2%	0.4%	84%
Nonaccrual	3.1% +0.1pp YoY +0.2pp QoQ	+2.2pp	0.9%	0.6%	1.0%	94%
Allowance Coverage	0.23x -12.4% YoY +2.8% QoQ	-23.92x	24.15x	18.95x	20.23x	2%
Net Charge-off Rate (YTD)	0.0% +0.1pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	61%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
ROE	8.0% +6.5pp YoY +1.8pp QoQ	-4.2pp	12.2%	9.7%	11.6%	25%
Cost of Funds (YTD)	0.8% -0.6pp YoY 0.0pp QoQ	-0.9pp	1.7%	1.7%	1.7%	6%
Net Income ($, YTD)	$736,000 +461.8% YoY — QoQ	-$1.8M	$2.6M	$259.3M	$40.4M	17%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 (1)

Deposit Outflow

decline

#221 of 535 • Bottom 41.1% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally

→ Stable +31 banks QoQ | QoQ rank improving

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).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (2 metrics)

285

Tier 1 Capital Ratio

capital

Value: 21.78%

Peer Median: 15.91%

#285 of 2643 Top 10.7% in $100M-$1B

319

Loan-to-Deposit Ratio

liquidity

Value: 54.35%

Peer Median: 77.95%

#319 of 2643 Top 12.0% in $100M-$1B

Top Weaknesses (6 metrics)

2523

Delinquency Rate

credit_quality

Value: 3.65%

Peer Median: 0.92%

#2523 of 2633 Bottom 4.2% in $100M-$1B

2402

Nonperforming Asset Ratio

credit_quality

Value: 1.80%

Peer Median: 0.67%

#2402 of 2643 Bottom 9.2% in $100M-$1B

2213

Total Loans

size

Value: $93.79M

Peer Median: $258.35M

#2213 of 2643 Bottom 16.3% in $100M-$1B

2197

Net Interest Margin

profitability

Value: 3.23%

Peer Median: 3.99%

#2197 of 2643 Bottom 16.9% in $100M-$1B

2103

Return on Assets

profitability

Value: 0.74%

Peer Median: 1.32%

#2103 of 2643 Bottom 20.5% in $100M-$1B

2096

Efficiency Ratio

profitability

Value: 74.76%

Peer Median: 64.48%

#2096 of 2643 Bottom 20.7% in $100M-$1B