WATERFORD COMMERCIAL AND SAVINGS BANK, THE

WATERFORD COMMERCIAL AND SAVINGS BANK, THE is amn micro FDIC-insured commercial bank headquartered in WATERFORD, OH, established in Jan. 1, 1908, midnight. As of 2025-12-31, the bank reported total assets of $56M and total deposits of $48M. Profitability stands at 0.57% ROA and 4.50% ROE, with a net interest margin of 4.57%. The bank's CET1 capital ratio is 13.38%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #8397.