Toledo, OH · Cert 58433 · Waterford Bcorp Inc.
National charter · OCC · 4 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks $1B-$10B in assets (n=322 to 328). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
31
Asset Quality
70
Profitability
48
Liquidity
87
Efficiency
80
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Toledo, OH · Cert 58433 · Waterford Bcorp Inc.
National charter · OCC · 4 branches
Q2 2026
Market Position · Toledo, OH · 2026 SOD (annual) · 7.9% share · #4 of 22 inst. · $1.3B of $16.1B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.87% | 0.72% | 0.94% | 1.05% | 1.13% | 1.10% | 1.24% | 1.29% | +24 bps | |
| Return on Equity | 10.58% | 8.66% | 10.90% | 11.86% | 12.55% | 11.92% | 12.21% | 12.68% | +81 bps | |
| Net Interest Margin | 2.47% | 2.60% | 2.80% | 2.88% | 2.91% | 2.99% | 3.09% | 3.18% | +30 bps | |
| Efficiency Ratio | 58.79% | 58.07% | 56.85% | 53.45% | 52.51% | 55.19% | 51.95% | 49.52% | -393 bps | |
| Non-Interest Burden | 1.35% | 1.41% | 1.48% | 1.39% | 1.39% | 1.51% | 1.46% | 1.42% | +3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.42% | 0.09% | 1.64% | -1.89% | -0.37% | 1.09% | -2.75% | 2.46% | +434 bps | |
| Loan Growth (YoY) | 5.81% | 2.25% | -0.12% | -0.76% | 4.14% | 2.89% | 1.63% | 3.62% | +438 bps | |
| Deposit Growth (YoY) | 4.25% | 3.75% | 2.37% | -1.76% | 0.23% | -0.54% | -4.52% | 3.52% | +527 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 1.07% | 0.39% | 0.35% | 0.48% | 0.63% | 1.07% | 0.68% | +34 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 1.79% | 0.93% | 0.58% | 0.45% | 0.00% | -0.08% | -100 bps | |
| Allowance / Loans | 1.16% | 1.53% | 1.11% | 1.14% | 1.17% | 1.24% | 1.27% | 1.33% | +19 bps | |
| Allowance Coverage of NPLs | n/a | 1.4x | 2.9x | 3.3x | 2.4x | 2.0x | 1.2x | 1.9x | -1.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.10% | 9.20% | 9.41% | 9.55% | 9.60% | 9.88% | 10.36% | 10.45% | +89 bps | |
| Total Risk-Based Capital | 11.73% | 12.06% | 11.77% | 11.87% | 12.03% | 12.32% | 12.83% | 12.61% | +74 bps | |
| Equity / Assets | 8.73% | 8.66% | 8.64% | 9.20% | 9.44% | 10.10% | 10.22% | 10.13% | +93 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 86.10% | 87.35% | 84.18% | 89.56% | 89.47% | 90.36% | 89.60% | 89.65% | +9 bps | |
| Liquid Assets / Assets | 3.05% | 1.28% | 4.66% | 0.98% | 1.82% | 1.16% | 2.34% | 2.34% | +136 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 475% | 441% | 426% | n/a | n/a | |
Toledo, OH · Cert 58433 · Peer group: banks $1B-$10B in assets (n=322-328) · Waterford Bcorp Inc.
National charter · OCC · 4 branches
Q2 2026
Return on Assets
1.26%
Rank 153 of 328
Net Interest Margin
3.18%
Rank 218 of 328
Efficiency Ratio
49.74%
Rank 66 of 328
Equity / Assets
10.13%
Rank 174 of 328
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.26% | 0.91% | 1.22% | 1.52% | Beats 53% | 153 / 328 | ||
| Return on Equity | 12.42% | 8.43% | 11.45% | 14.43% | Beats 57% | 140 / 328 | ||
| Net Interest Margin | 3.18% | 3.03% | 3.45% | 3.83% | Beats 34% | 218 / 328 | ||
| Efficiency Ratio | 49.74% | 51.61% | 59.56% | 67.53% | Beats 80% | 66 / 328 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.68% | 0.24% | 0.51% | 1.03% | Beats 39% | 198 / 322 | ||
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.03% | 0.10% | Beats 100% | 18 / 322 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.43% | 11.75% | 13.15% | 15.47% | Beats 21% | 258 / 328 | ||
| Total Risk-Based Capital Ratio | 12.61% | 12.63% | 14.15% | 16.46% | Beats 25% | 247 / 328 | ||
| Equity / Assets | 10.13% | 9.15% | 10.33% | 12.01% | Beats 47% | 174 / 328 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 89.65% | 76.63% | 87.92% | 95.36% | 54th pctl | 150 / 323 | ||
| Loans / Assets | 79.13% | 65.18% | 74.15% | 79.98% | 72nd pctl | 93 / 328 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||