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 | |