The Cincinnatus Savings & Loan Co.: how it compares with its peers
Against 71 OH banks with half to twice its assets, The Cincinnatus Savings & Loan Co.'s strongest measure in Q2 2026 is assets per employee ($9.2M vs. a $5.8M peer median). Its weakest relative measure is net interest margin (3.48% vs. 3.75%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.93% | 0.87% | Middle third Ahead of 54% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.48% | 3.75% | Middle third Ahead of 35% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 64.82% | 73.20% | Top third Ahead of 69% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $9.2M | $5.8M | Top third Ahead of 89% of peers |
| Loans to deposits Net loans and leases over total deposits. | 77.89% | 83.15% | Context |
What it means for lending operations
Its efficiency ratio of 64.82% is better than the 73.20% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Independence Bank Independence, OH · $191M
- The First National Bank of Waverly Waverly, OH · $196M
- The Peoples Savings Bank Urbana, OH · $189M
- First Federal Savings and Loan Association of Van Wert Van Wert, OH · $197M
- Farmers State Bank West Salem, OH · $188M
- Valley Central Bank Liberty Township, OH · $187M
Questions about The Cincinnatus Savings & Loan Co.
How big is The Cincinnatus Savings & Loan Co.?
The Cincinnatus Savings & Loan Co., established in 1885, is headquartered in Cincinnati, OH. It reported $193M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is The Cincinnatus Savings & Loan Co.'s return on assets?
0.93% annualized in Q2 2026, against a 0.87% median for 71 OH banks with half to twice its assets, ahead of 54% of them.
What is The Cincinnatus Savings & Loan Co.'s efficiency ratio?
64.82% in Q2 2026: it spent about 65 cents in noninterest expense for each dollar of revenue. The peer median is 73.20%, and lower is better.
Is The Cincinnatus Savings & Loan Co. growing its loans?
Net loans shrank 0.2% over the year to Q2 2026, while deposits grew 14.7%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are OH banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Ohio bank ranked.