The First National Bank of Waverly Reviews and Rates

The First National Bank of Waverly

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.31%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.thefirstnational.com

740-947-2136

107 North Market
Waverly, OH 45690

The First National Bank of Waverly is headquartered in WAVERLY and is the 97^th largest bank in the state of Ohio. It is also the 2,925^th largest bank in the nation. It was established in 1901 and as of March of 2025, it had grown to 38 employees at 4 locations. The First National Bank of Waverly's CD rates are 4X the national average, and it has a C+ health rating.

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Health

C+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	6725
Year Established	1901
Employees	38
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	0.02%
Return on Equity - YTD	0.27%
Annual Interest Income	$1.8MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$218.6MM$234MM
Loans	Q1 2025vs Q1 2024	$101.2MM$99MM
Deposits	Q1 2025vs Q1 2024	$195.5MM$178.8MM
Equity Capital	Q1 2025vs Q1 2024	$17.9MM$16.5MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$733K$634K
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$3MM$648K
Real Estate Owned	Q1 2025vs Q1 2024	$39K$39K

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.31%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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The First National Bank of Waverly CD Rates

APY	MIN	MAX	ACCOUNT NAME
4.08%	$1k	-	6 Month CD Special
3.93%	$1k	-	12 Month CD Special
1.26%	$1k	$250k	37 to 48 Month CD
1.21%	$1k	$250k	24 to 36 Month CD
1.16%	$1k	$250k	18 to 23 Month CD
1.11%	$1k	$250k	12 to 17 Month CD
0.90%	$1k	$250k	7 to 364 Day CD

The First National Bank of Waverly IRA Rates

APY	MIN	MAX	ACCOUNT NAME
2.94%	$1k	$250k	18 to 23 Month IRA
1.36%	$1k	$250k	48 Month IRA
1.31%	$1k	$250k	30 to 47 Month IRA
1.26%	$1k	$250k	24 to 29 Month IRA
1.16%	$1k	$250k	12 to 17 Month IRA
1.00%	$1k	$250k	91 to 364 Day IRA

Locations

The First National Bank of Waverly Locations
Piketon Branch	101 Thornton Drive	Piketon, OH 45661
The First National Bank Of Waverly	107 N Market St	Waverly, OH 45690
Latham Branch	13256 State Route 124	Piketon, OH 45661
Beaver Branch	310 Third Street	Beaver, OH 45613
Bristol Village Branch	625 Fifth Street	Waverly, OH 45690

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