Compared with Ohio
4 of 16
compared fees are above the median.
7 below, 5 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
4th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Ohio median
of 16 compared; 7 below, 5 about the same
See the feesFee schedule read Oct 18, 2026
Call-report figures are for The Cincinnatus Savings & Loan Co. at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 1,681 banks with under $300M in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the Ohio median | Published fees above the Ohio median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | The Cincinnatus Savings & Loan Co.'s published fee schedule; Bank Fee Index medians | Current schedule | Oct 18, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 0.3% of revenue, below the 2.1% median of 1,681 banks with under $300M in assets (4th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $5K in Q2 2026, 25% above the same quarter a year earlier ($4K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
4 of 16 compared published fees sit above the Ohio median; 7 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Ohio medians for fees published by banks and credit unions.
Non-Network ATM
Compared at $1.13, the middle of its prices
Monthly Maintenance
Simply Super Checking $8 · Simply Supreme Checking $10
Compared at $9, the middle of its prices
NSF / Returned Item
Each amount links to the fee schedule it was read from. Medians for Ohio, the Cleveland district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income fell 29% from Q3 2025 to Q2 2026, to $5K. Its share of revenue, 0.3%, is below the 2.1% median for banks with under $300M in assets.
$5K
The Cincinnatus Savings & Loan Co.Median
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 1,681 banks with under $300M in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue. *Non-network ATM: Listed at $0.75 to $1.50; we compare the midpoint. Monthly maintenance: Listed at $8 to $10; we compare the midpoint.
The Cincinnatus Savings & Loan Co. · $193M in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 14 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| The Cincinnatus Savings & Loan Co.(this institution) | Cincinnati, OH | $193M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| BankPacific, Ltd | Hagatna, GU | $192M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Bristol Morgan Bank | Oakfield, WI | $191M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Chelsea Savings Bank | Belle Plaine, IA | $197M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Overdraft not published |
| Citizens Federal Savings Bank | Leavenworth, KS | $190M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Citizens State Bank | Sheldon, IA | $195M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Community Bank | Topeka, KS | $189M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Farmers Trust & Savings Bank | Williamsburg, IA | $192M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Federal Savings and Loan Association of Bath | Bath, ME | $189M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| First Federal Savings Bank of Champaign Urbana | Champaign, IL | $193M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Frederick Community Bank, The | Paxton, IL | $196M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Independence Bank | Independence, OH | $191M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Liberty Bank | Liberty, IL | $194M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Lyons Federal Bank | Lyons, KS | $198M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Mount Vernon Bank and Trust Company | Mount Vernon, IA | $195M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Northern Interstate Bank, N. A. | Norway, MI | $194M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Oklahoma Capital Bank | Tulsa, OK | $196M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Peoples Savings Bank | Wellsburg, IA | $189M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| The Farmers State Bank | Quinton, OK | $194M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| The First National Bank of Absecon | Absecon, NJ | $195M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| The First State Bank of Malta | Malta, MT | $190M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| The Peoples Savings Bank | Urbana, OH | $189M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| THE SEILING STATE BANK | Seiling, OK | $195M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Walden Mutual Bank | Concord, NH | $193M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Western Nebraska Bank | Curtis, NE | $193M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Wrentham Co-operative Bank | Wrentham, MA | $193M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 16 publish this fee(monthly maintenance)
9 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $9, the middle of its two prices, against a peer median of $5 among 16 publishing peers.
Its two checking prices are $8 and $10.
$9 is a comparison price, not a fee anyone is charged.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026.
Monthly maintenance fee in dollars, one mark per institution
Against this institution's monthly maintenance fee
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026. Total assets from FDIC and NCUA records.
Call reports for The Cincinnatus Savings & Loan Co. (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 62 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $5K | −$1K | −16.7% |
| Q1 2026 | $6K | $0 | 0.0% |
| Q4 2025 | $6K | −$1K | −14.3% |
| Q3 2025 | $7K | +$3K | +75.0% |
| Q2 2025 | $4K | −$4K | −50.0% |
| Q1 2025 | $8K | $0 | 0.0% |
| Q4 2024 | $8K | +$1K | +14.3% |
| Q3 2024 | $7K | +$1K | +16.7% |
Financial cohort: 1,760 banks with under $300M in assets filing for Q2 2026; 1,681 reported a share above 0% and are counted, The Cincinnatus Savings & Loan Co. left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to The Cincinnatus Savings & Loan Co. by share.
Amounts from The Cincinnatus Savings & Loan Co.’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per month
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Simply Super Checking Monthly Fee | $8Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Simply Supreme Checking Monthly Fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Close Savings/Checking Account within 90 days of opening | $20Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Escheat Fee | $50Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Inactivity Fee Checking Account (per month) | $1Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
vs. the U.S. middle 50%:BelowInsideAbove
per month
per quarter
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Commercial Checking (Below $500.00 Min. Service fee) | $10 | Not stated | None |
| Close Savings/Checking Account within 90 days of opening | $20Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Escheat Fee | $50Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Inactivity Fee Checking Account (per month) | $1Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Inactivity Fee Statement Savings (per quarter) | $3Not compared: Quarterly charge, not monthly | per quarter | None |
Oct 18, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where The Cincinnatus Savings & Loan Co. operates, and what regulators and customers have on file.
Branch footprint
3 offices in 1 state, $163.0M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 3 | $163.0M |
Cincinnati, OH-KY-IN
0.1% of bank deposits, #33 of 54, unchanged over five years.
| Largest competitors here | Deposit share |
|---|---|
| U.S. Bank National Association | 51.2% |
| Fifth Third Bank, National Association | 25.5% |
| PNC Bank, National Association | 4.9% |
| First Financial Bank | 3.7% |
| The Huntington National Bank | 2.7% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Cincinnati, OH-KY-IN, The Cincinnatus Savings & Loan Co. holds 0.1% of bank deposits, #33 of 54, with 3 offices.
699 offices of 95 institutions shown.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
9 of 54 institutions shown. $187.5B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 0.1% share, 3 offices, #33 of 54
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.
Credit unions, reported separately
109 offices of 42 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.
Source: NCUA branch file, quarter ending June 30, 2026.
Enforcement actions
None on file with the Federal Reserve
The Federal Reserve has no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the Federal Reserve, read November 4, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Fee change alerts