THE CINCINNATUS SAVINGS & LOAN CO.

CINCINNATI, OH · Supervised by FDIC

Est. 1885FDIC #28,157RSSD: FDIC-28157

Part ofCINCINNATUS CMTY BCORP MHC→ View all charters

Satisfactory Same

Current rating · Exam: November 2022

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.93%

Institution Profile

FDIC BankFind

Website

www.cincinnatussl.com

Address

3300 Harrison Ave, CINCINNATI, OH

County

Hamilton County

Established

January 1, 1885

Total Assets

$191M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

November 1, 2022

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

Estimated next exam:Nov 2027(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$191M

Total Deposits

$162M

Net Loans

$125M

Net Income

$436K

ROA

0.93%

ROE

6.20%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate3.85%Peer avg: 7.63%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$142M

1-Year Change

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	52	78.85%	3.85%
2023	47	72.34%	8.51%
2022	71	76.06%	5.63%
2021	190	85.79%	7.37%
2020	255	85.88%	5.49%
2019	112	76.79%	10.71%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 2 exams

1 previous rating locked — dating back to 2016

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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