WATERFORD BANK, NA

TOLEDO, OH | Large | Est. Aug. 29, 2007, midnight | FDIC #58433 | RSSD #3588424 | OCC
Latest Report: 2025-12-31

WATERFORD BANK, NA is aln large FDIC-insured commercial bank headquartered in TOLEDO, OH, established in Aug. 29, 2007, midnight. As of 2025-12-31, the bank reported total assets of $1.7B and total deposits of $1.5B. Profitability stands at 0.99% ROA and 10.17% ROE, with a net interest margin of 3.56%. The bank's CET1 capital ratio is 11.24%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.55% and a Texas Ratio of 3.94%. FDIC Certificate #58433.

Assets

$1.7B

Deposits

$1.5B

Loans

$1.3B

Equity

$172M

Profitability

Return on Assets (ROA) 0.99%
Return on Equity (ROE) 10.17%
Net Interest Margin (NIM) 3.56%
Yield on Assets 5.94%
Cost of Funds 4.64%

Asset Quality

NPL Ratio 0.55%
Net Charge-Off Ratio 0.45%
Texas Ratio 3.94%
NPA Ratio 0.44%
ACL / Loans 1.24%

Capital & Liquidity

CET1 Ratio 11.24%
Tier 1 Capital 11.24%
Total Capital Ratio 12.32%
Leverage Ratio 9.88%
Loan-to-Deposit 90.36%

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