Waterford Commercial and Savings Bank, The
Waterford, OH · Cert 8397 · Peer group: banks under $1B in assets in OH (n=68-71) · 2012 Waterford Coml&Svg Bk Shareholders Voting Tr
State charter, non-member · FDIC · 2 branches
Q2 2026
$60.0MAssets
$41.1MLoans
$52.1MDeposits
$7.7MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in OH (rank 26 of 68).
- Widest gap: efficiency ratio trails 75% of banks under $1B in assets in OH (rank 54 of 71).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.75%
Rank 48 of 71
Net Interest Margin
4.07%
Rank 18 of 71
Efficiency Ratio
78.80%
Rank 54 of 71
Equity / Assets
12.77%
Rank 20 of 71
Non-interest income vs. expense
Unfavorable gap of $1.8M · efficiency ratio beats 25% of banks under $1B in assets in OH | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.75% | 0.62% | 1.02% | 1.39% | Beats 32% | 48 / 71 | |
| Return on Equity | 5.90% | 5.62% | 10.07% | 13.60% | Beats 25% | 53 / 71 | |
| Net Interest Margin | 4.07% | 2.93% | 3.56% | 4.07% | Beats 75% | 18 / 71 | |
| Efficiency Ratio | 78.80% | 55.94% | 70.77% | 78.80% | Beats 25% | 54 / 71 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.09% | 0.08% | 0.27% | 0.97% | Beats 74% | 19 / 68 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.05% | Beats 100% | 26 / 68 | |
| Capital |
| Tier 1 Capital Ratio | 13.60% | 11.18% | 13.77% | 20.34% | Beats 46% | 38 / 71 | |
| Total Risk-Based Capital Ratio | 13.60% | 12.08% | 14.34% | 21.24% | Beats 39% | 43 / 71 | |
| Equity / Assets | 12.77% | 8.41% | 10.74% | 13.32% | Beats 72% | 20 / 71 | |
| Liquidity & Funding |
| Loans / Deposits | 78.89% | 64.48% | 76.81% | 87.49% | 57th pctl | 29 / 68 | |
| Loans / Assets | 68.52% | 55.33% | 65.58% | 72.51% | 56th pctl | 31 / 71 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |