Waterford, OH · Cert 8397 · 2012 Waterford Coml&Svg Bk Shareholders Voting Tr
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · Columbus, OH · 2026 SOD (annual) · 0.0% share · #51 of 53 inst. · $0.0B of $124.6B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.53% | 0.52% | 0.91% | 0.89% | 0.96% | 0.57% | 0.68% | 0.92% | +3 bps | |
| Return on Equity | 4.61% | 4.37% | 7.51% | 7.34% | 7.95% | 4.50% | 4.99% | 6.94% | -41 bps | |
| Net Interest Margin | 3.14% | 3.53% | 3.67% | 3.92% | 4.11% | 4.11% | 4.14% | 4.21% | +29 bps | |
| Efficiency Ratio | 82.87% | 86.58% | 74.42% | 75.83% | 74.00% | 86.20% | 79.24% | 78.39% | +256 bps | |
| Non-Interest Burden | 2.50% | 2.98% | 2.58% | 2.84% | 2.89% | 3.46% | 3.15% | 3.17% | +33 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.66% | -2.43% | -1.64% | 3.15% | 7.16% | -0.39% | -4.12% | 0.51% | -264 bps | |
| Loan Growth (YoY) | 7.16% | 4.54% | 5.23% | 7.62% | 6.87% | 8.52% | 9.49% | 10.35% | +273 bps | |
| Deposit Growth (YoY) | -5.08% | -6.80% | -1.43% | 6.95% | 11.19% | 2.08% | -5.85% | -0.29% | -725 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.26% | 0.17% | 0.11% | 0.02% | 0.00% | 0.28% | 0.09% | -2 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.01% | 0.00% | 0.01% | -0.01% | -0.25% | 0.00% | 0 bps | |
| Allowance / Loans | 1.02% | 0.98% | 0.97% | 0.94% | 0.91% | 0.90% | 0.95% | 0.91% | -3 bps | |
| Allowance Coverage of NPLs | n/a | 3.7x | 5.6x | 8.8x | 58.2x | n/a | 3.3x | 10.4x | +1.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.94% | 13.01% | 13.50% | 12.96% | 13.03% | 13.01% | 14.18% | 13.60% | +63 bps | |
| Total Risk-Based Capital | 12.94% | 13.01% | 13.50% | 12.96% | 13.03% | 13.01% | 14.18% | 13.60% | +63 bps | |
| Equity / Assets | 11.82% | 11.99% | 12.31% | 12.03% | 12.04% | 13.38% | 13.90% | 12.77% | +75 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 73.75% | 75.93% | 72.81% | 71.28% | 70.88% | 80.71% | 84.66% | 78.89% | +761 bps | |
| Liquid Assets / Assets | 2.66% | 2.69% | 1.56% | 6.94% | 8.36% | 1.17% | 1.22% | 7.47% | +53 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 111.98% | 108.56% | 110.37% | n/a | n/a | |