BanksWATERFORD COMMERCIAL AND SAVINGS BANK, THE

WATERFORD COMMERCIAL AND SAVINGS BANK, THE

WATERFORD, OHMicroEst. Jan. 1, 1908, midnightFDIC #8397RSSD #324229FDIC
Latest · 2025-12-31

WATERFORD COMMERCIAL AND SAVINGS BANK, THE is an 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%. CET1 capital ratio: 13.38%, well above regulatory minimums. NPL ratio: 0.00% · Texas Ratio: 0.00%. Operates 2 domestic branches.

Assets
$56M
Deposits
$48M
Loans
$39M
Equity
$8M

Profitability

Return on Assets (ROA)0.57%
Return on Equity (ROE)4.50%
Net Interest Margin4.57%
Yield on Assets5.76%
Cost of Funds1.25%

Asset Quality

NPL Ratio0.00%
Net Charge-Off Ratio0.00%
Texas Ratio0.00%
NPA Ratio0.00%
ACL / Loans0.90%

Capital & Liquidity

CET1 Ratio13.38%
Tier 1 Capital13.38%
Total Capital Ratio14.05%
Leverage Ratio13.01%
Loan-to-Deposit80.71%

This is just the summary.

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