BlastPoint's Banking Scorecard
The First National Bank of Waverly
Waverly, OH
4 branches across OH
The First National Bank of Waverly faces 5 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Delinquency Rate 2.97% above tier average
- - Nonperforming Asset Ratio 1.13% above tier average
- - ROA 0.71% below tier average
- - Net Interest Margin 0.91% below tier average
- - Efficiency Ratio 14.33% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$204.4M
-6.5% YoY
+4.2% QoQ
|
-$181.7M |
$386.1M
+0.5% YoY
|
$35.8B
+10.6% YoY
|
$6.2B
+9.1% YoY
|
28% |
| Total Loans ? |
$91.1M
-10.0% YoY
-2.1% QoQ
|
-$164.7M |
$255.7M
+1.1% YoY
|
$15.7B
+12.8% YoY
|
$3.2B
+10.8% YoY
|
16% |
| Total Deposits ? |
$181.0M
-7.4% YoY
+4.6% QoQ
|
-$147.0M |
$328.0M
+0.1% YoY
|
$25.9B
+8.5% YoY
|
$4.8B
+8.2% YoY
|
29% |
| Return on Assets ? |
0.56%
+121.5% QoQ
|
-0.71% |
1.27%
+12.9% YoY
|
1.12%
+9.9% YoY
|
1.23%
+13.4% YoY
|
Bottom 14.8% in tier |
| Net Interest Margin ? |
3.02%
+47.3% YoY
+27.1% QoQ
|
-0.91% |
3.93%
+6.0% YoY
|
3.58%
+7.5% YoY
|
3.89%
+5.7% YoY
|
Bottom 12.1% in tier |
| Efficiency Ratio ? |
79.61%
-20.9% YoY
-12.6% QoQ
|
+14.33% |
65.29%
-4.5% YoY
|
72.65%
-4.0% YoY
|
66.95%
-4.1% YoY
|
16% |
| Delinquency Rate ? |
3.86%
+30.4% YoY
+14.9% QoQ
|
+2.97% |
0.89%
+18.8% YoY
|
0.65%
+14.5% YoY
|
0.95%
+18.8% YoY
|
Bottom 3.5% in tier |
| Loan-to-Deposit Ratio ? |
50.32%
-2.8% YoY
-6.5% QoQ
|
-26.32% |
76.64%
+0.8% YoY
|
79.14%
+0.8% YoY
|
76.70%
+0.9% YoY
|
Top 9.7% in tier |
| Non-Interest-Bearing Deposit Share ? |
24.08%
+23.9% YoY
-8.8% QoQ
|
+2.06% |
22.02%
-1.0% YoY
|
18.08%
-0.4% YoY
|
22.01%
-1.2% YoY
|
63% |
| Nonperforming Asset Ratio ? |
1.77%
+27.5% YoY
+11.1% QoQ
|
+1.13% |
0.64%
+19.7% YoY
|
0.44%
+14.5% YoY
|
0.67%
+19.3% YoY
|
Bottom 8.5% in tier |
| Tier 1 Capital Ratio ? |
21.46%
+18.7% YoY
+4.4% QoQ
|
+5.63% |
15.83%
+1.5% YoY
|
19.44%
+3.1% YoY
|
17.06%
+0.8% YoY
|
Top 10.9% in tier |
| Non-Interest Income / Assets ? |
0.13%
+14.8% YoY
-75.3% QoQ
|
-0.15% |
0.28%
+9.3% YoY
|
0.57%
-2.4% YoY
|
0.32%
+4.1% YoY
|
66% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.