Waterford Bank, NA
Toledo, OH · Cert 58433 · Peer group: banks $1B-$10B in assets (n=322-328) · Waterford Bcorp Inc.
National charter · OCC · 4 branches
Q2 2026
$1.8BAssets
$1.4BLoans
$1.6BDeposits
$179.4MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks $1B-$10B in assets (rank 18 of 322).
- Widest gap: tier 1 capital ratio trails 79% of banks $1B-$10B in assets (rank 258 of 328).
- Overall: at or above the peer median on 4 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $25.4M · efficiency ratio beats 80% of banks $1B-$10B in assets | 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 |