Advertisement
The Waterford Commercial And Savings Bank
Waterford, OH · FDIC Certificate #8397 · Chartered 01/0
Total assets
$60.02M
Total deposits
$52.13M
Total equity
$7.67M
Net loans
$40.75M
Branches (offices)
2
Net income (YTD)
$226.00K
Rank: #3,967 of 4,213 U.S. banks by assets · #145 of 155 in Ohio. Assets changed 0.5% and deposits -0.3% over the year to June 30, 2026.
Advertisement
Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.80% |
| Return on equity | 5.96% |
| Net interest margin (YTD) | 4.57% |
| Equity to assets | 12.77% |
| Tier 1 leverage ratio | 13.60% |
| Uninsured deposits (share of deposits) | 9.9% |
| Noncurrent loans (share of loans) | 0.09% |
| Net charge-offs (share of loans) | -0.13% |
| Loans to deposits | 78.2% |
| Real estate loans (share of loans) | 83.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $33.88M | 83.1% | |
| Commercial & industrial | $1.18M | 2.9% | |
| Consumer / individual | $6.02M | 14.8% | |
| Construction & development | $7.38M | 18.1% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $61.05M | $54.79M | $162.00K | $6.19M |
| Jun 2023 | $57.02M | $49.99M | $130.00K | $5.85M |
| Jun 2024 | $57.89M | $48.88M | $108.00K | $6.40M |
| Jun 2025 | $59.72M | $52.28M | $259.00K | $7.18M |
| Jun 2026 | $60.02M | $52.13M | $226.00K | $7.67M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Ohio | $52.13M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $52.13M.
Similar-sized banks
The Peoples Bank ($60.44M) · The Blue Grass Valley Bank ($59.93M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
Advertisement