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Waterford Commercial and Savings Bank, The

Waterford, OH · Cert 8397 · 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
Loan mix
83%RE $32.8M3%C&I $1.2M14%Consumer $5.3MQ2 2025Q2 2026
Deposit mix
75%Interest-bearing $39.1M25%Noninterest $13.0MQ2 2025Q2 2026

NIM

4.23%Q2 ’244.89%Q2 ’255.40%Q2 ’26+26%+7%

Non-interest income vs. expense

3.29%Q2 ’243.40%Q2 ’253.78%Q2 ’26+6%+12%

Market Position · Columbus, OH · 2026 SOD (annual) · 0.0% share · #51 of 53 inst. · $0.0B of $124.6B

1.7% Washington
1.7% Perry

Executive Summary

  • Earnings: ROA of 0.92%, up 3 bps year over year; NIM at 4.21%.
  • Asset quality: problem loans at 0.09% of loans (-2 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 13.60%, up 63 bps from a year ago.
  • Funding: loans stand at 78.89% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.92%+3 bps YoY

Net Interest Margin (quarter, annualized)

4.21%+29 bps YoY

Efficiency Ratio (quarter, annualized)

78.39%+256 bps YoY

Tier 1 Leverage Ratio

13.60%+63 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.89%0.96%0.57%0.68%0.92%+3 bps
Return on Equity7.34%7.95%4.50%4.99%6.94%-41 bps
Net Interest Margin3.92%4.11%4.11%4.14%4.21%+29 bps
Efficiency Ratio75.83%74.00%86.20%79.24%78.39%+256 bps
Non-Interest Burden2.84%2.89%3.46%3.15%3.17%+33 bps
Growth
Asset Growth (YoY)3.15%7.16%-0.39%-4.12%0.51%-264 bps
Loan Growth (YoY)7.62%6.87%8.52%9.49%10.35%+273 bps
Deposit Growth (YoY)6.95%11.19%2.08%-5.85%-0.29%-725 bps
Asset Quality
Nonperforming Loans / Loans0.11%0.02%0.00%0.28%0.09%-2 bps
Net Charge-Offs / Loans0.00%0.01%-0.01%-0.25%0.00%0 bps
Allowance / Loans0.94%0.91%0.90%0.95%0.91%-3 bps
Allowance Coverage of NPLs8.8x58.2xn/a3.3x10.4x+1.7x
Capital
Tier 1 Leverage Ratio12.96%13.03%13.01%14.18%13.60%+63 bps
Total Risk-Based Capital12.96%13.03%13.01%14.18%13.60%+63 bps
Equity / Assets12.03%12.04%13.38%13.90%12.77%+75 bps
Liquidity & Funding
Loans / Deposits71.28%70.88%80.71%84.66%78.89%+761 bps
Liquid Assets / Assets6.94%8.36%1.17%1.22%7.47%+53 bps
CRE / Total Capitaln/a111.98%108.56%110.37%n/an/a