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Waterford Bank, N.A.
Toledo, OH · FDIC Certificate #58433 · Chartered 08/2
Total assets
$1.77B
Total deposits
$1.56B
Total equity
$179.44M
Net loans
$1.38B
Branches (offices)
4
Net income (YTD)
$11.14M
Rank: #651 of 4,213 U.S. banks by assets · #19 of 155 in Ohio. Assets changed 2.5% and deposits 3.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.29% |
| Return on equity | 12.68% |
| Net interest margin (YTD) | 3.39% |
| Equity to assets | 10.13% |
| Tier 1 leverage ratio | 10.45% |
| Uninsured deposits (share of deposits) | 35.2% |
| Noncurrent loans (share of loans) | 0.68% |
| Net charge-offs (share of loans) | -0.08% |
| Loans to deposits | 88.5% |
| Real estate loans (share of loans) | 63.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $884.60M | 63.9% | |
| Commercial & industrial | $466.61M | 33.7% | |
| Consumer / individual | $6.25M | 0.5% | |
| Construction & development | $46.26M | 3.3% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.59B | $1.45B | $9.16M | $115.62M |
| Jun 2023 | $1.65B | $1.45B | $5.91M | $123.28M |
| Jun 2024 | $1.76B | $1.54B | $6.56M | $142.32M |
| Jun 2025 | $1.73B | $1.51B | $9.05M | $159.13M |
| Jun 2026 | $1.77B | $1.56B | $11.14M | $179.44M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Ohio | $1.28B | 2 |
| Michigan | $286.77M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.56B.
Similar-sized banks
First National Bank Of Central Texas ($1.77B) · Column National Association ($1.77B)
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.
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