Is First Nb of Waverly Safe?
First Nb of Waverly has a Bank Health Score of 87/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (17/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 16.44% | 100/100 |
| Nonperforming Loan Ratio | 0.77% | 85/100 |
| Liquidity Ratio | 48.68% | 100/100 |
| Return on Assets | -0.09% | 17/100 |
| Total Assets | $0.2B | |
How does First Nb of Waverly compare?
With a Bank Health Score of 87/100, First Nb of Waverly sits 17.0 points above the national average of 70/100 for FDIC-insured banks. Within Ohio, where 144 FDIC-insured banks are headquartered, First Nb of Waverly ranks above the state average of 67/100 (Grade B).
The bank's Tier 1 capital ratio of 16.44% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.77% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, First Nb of Waverly's Bank Health Score fell by 3.0 points to 87/100. Tier 1 capital strengthened by 0.79 percentage points to 16.44%.
First Nb of Waverly has a Bank Health Score of 87/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (17/100).