Bank call report · Toledo, OH
Waterford Bank, N.A. Call Report
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Waterford Bank, N.A. filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 051. Below are its 365 reported line items, schedule by schedule (724 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 051 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 3588424 |
| FDIC certificate number | 58433 |
| Total assets | $1.77B |
Official Q2 2026 call report PDF (FFIEC) →
Waterford Bank, N.A. call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 051.
Schedule RC: Balance Sheet (27 items)
About Schedule RC · Waterford Bank, N.A. balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $1.77B |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $1.77B |
| Total Liabilities and Minority Interest | RCON2948 | $1.59B |
| Total Deposits | RCON2200 | $1.56B |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $1.40B |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $1.38B |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $1.29B |
| Deposits: Noninterest-bearing | RCON6631 | $271.7M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $267.1M |
| Total Equity Capital | RCON3210 | $179.4M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $179.4M |
| Undivided Profits and Capital Reserves | RCON3632 | $106.0M |
| Surplus | RCON3839 | $81.6M |
| Interest-bearing Balances | RCON0071 | $39.0M |
| Other Assets | RCON2160 | $36.9M |
| Accumulated Other Comprehensive Income | RCONB530 | -$20.7M |
| Other Borrowed Money | RCON3190 | $20.0M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $19.6M |
| Allowance for Loan and Lease Losses | RCON3123 | $18.6M |
| Intangible Assets | RCON2143 | $15.5M |
| Goodwill | RCON3163 | $15.2M |
| Common Stock | RCON3230 | $12.5M |
| Other Liabilities, Total | RCON2930 | $8.5M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $7.7M |
| Held to maturity securities (ASU 2016-13 adoption) | RCONJJ34 | $2.5M |
| Held-to-maturity Securities, Total | RCON1754 | $2.5M |
| Loans and Leases Held for Sale | RCON5369 | $956K |
Schedule RI: Income Statement (42 items)
About Schedule RI · Waterford Bank, N.A. income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $45.4M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $41.6M |
| Net Interest Income | RIAD4074 | $28.1M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $23.3M |
| Total Interest Expense | RIAD4073 | $17.4M |
| Total Noninterest Expense | RIAD4093 | $15.2M |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $14.8M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $13.9M |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $13.9M |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $11.1M |
| Net Income (Loss) | RIAD4340 | $11.1M |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $11.1M |
| Salaries and Employee Benefits | RIAD4135 | $8.4M |
| Other Noninterest Expense | RIAD4092 | $5.9M |
| Savings Deposits (Including Mmdas) | RIAD0093 | $5.3M |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $5.2M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $3.4M |
| Applicable Income Taxes | RIAD4302 | $2.8M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $2.8M |
| Total Noninterest Income | RIAD4079 | $2.5M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $2.1M |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $1.5M |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | $1.4M |
| Other Noninterest Income | RIADB497 | $1.4M |
| Provision for Loan and Lease Losses | RIAD4230 | $1.4M |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $1.3M |
| Interest and Fee Income on All Other Loans in Domestic Offices | RIAD4058 | $1.3M |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $873K |
| Expenses of Premises and Fixed Assets | RIAD4217 | $819K |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $669K |
| Other Interest Expense | RIADGW44 | $612K |
| Other Interest Income | RIAD4518 | $299K |
| Net Gains (Losses) on Sales of Loans | RIAD5416 | $227K |
| Estimated Income on Tax-exempt Loans and Leases to States and Political Subdivisions in the U.S. | RIAD4313 | $156K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADB486 | $153K |
| Amortization Expense and Impairment Losses Intangible Assets | RIADC232 | $69K |
| Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. | RIAD4507 | $39K |
| Interest on Other Securities | RIAD4060 | $39K |
| Expense of Federal Funds Purchased and Securities Sold Under Agreements to Repurchase | RIAD4180 | $17K |
| Loans to Individuals for Households, Family, and Other Personal Expenditures: Credit Cards | RIADB485 | $8K |
| Net Servicing Fees | RIADB492 | $6K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 108 |
Schedule RC-B: Securities (28 items)
About Schedule RC-B · Waterford Bank, N.A. securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Amortized Cost | RCONG314 | $55.3M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Fair Value | RCONG315 | $48.5M |
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $293.2M |
| Pledged Securities | RCON0416 | $149.2M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost | RCONHT52 | $137.8M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value | RCONHT53 | $129.1M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Amortized Cost | RCONHT56 | $82.2M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Fair Value | RCONHT57 | $72.9M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA552 | $55.4M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF OVER THREE YEARS | RCONA562 | $50.6M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through 15 Years | RCONA559 | $41.6M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA551 | $34.0M |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $31.9M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over 15 Years | RCONA560 | $29.5M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA550 | $19.9M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through Fifteen Years | RCONA553 | $18.6M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months of Less | RCONA549 | $11.9M |
| Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :Issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Amortized Cost | RCONK152 | $8.9M |
| Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :Issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Fair Value | RCONK153 | $8.1M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF THREE YEARS OR LESS | RCONA561 | $6.1M |
| Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Amortized Cost | RCONK144 | $5.0M |
| Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Fair Value | RCONK145 | $4.3M |
| Amortized Cost of Available-for-sale U.S. Treasury Securities | RCON1286 | $4.0M |
| Fair Value of Available-for-sale U.S. Treasury Securities | RCON1287 | $4.0M |
| Amortized Cost of Held-to-maturity Securities Issued by States and Political Subdivisions in the U.S. | RCON8496 | $2.5M |
| Fair Value of Held-to-maturity Securities Issued by States and Political Subdivisions in the U.S. | RCON8497 | $2.5M |
| Total Fair Value of Held-to-maturity Securities | RCON1771 | $2.5M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA558 | $1.9M |
Schedule RC-C, Part I: Loans and Leases (33 items)
About Schedule RC-C, Part I · Waterford Bank, N.A. loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $1.40B |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $941.8M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA570 | $814.8M |
| Commercial and Industrial Loans | RCON1766 | $466.6M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $329.7M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $305.2M |
| Pledged Loans and Leases | RCONG378 | $145.8M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA572 | $144.6M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA574 | $141.7M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $129.5M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $116.3M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $116.1M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $58.4M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $33.6M |
| Other Loans | RCONJ464 | $26.1M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $20.4M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA569 | $14.9M |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $13.7M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $13.2M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $12.6M |
| Loans to Nondepository Financial Institutions and Other Loans: Loans to Nondepository Financial Institutions | RCONJ454 | $11.5M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $10.8M |
| Obligations (Other Than Securities and Leases) of States and Political Subdivisions in the U.S. | RCON2107 | $9.1M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA568 | $7.6M |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $6.1M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $5.5M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA565 | $5.3M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA575 | $3.9M |
| Unearned Income on Loans | RCON2123 | $2.2M |
| Real Estate Loans Secured by Farmland | RCON1420 | $1.6M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $201K |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $191K |
| Loans to Finance Commercial Real Estate, Construction, and Land Development Activities Included in Items 1766, 1563 for (Fr Y-9C), in Items 1766, 1563 for (FFIEC 031), in Items 1766, 1564 for (FFIEC 032 and 033), and in Items 1766, 2080 for (FFIEC 034) | RCON2746 | $126K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (18 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5569 | $64.9M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5575 | $53.0M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5573 | $10.5M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5567 | $4.1M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $3.8M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5581 | $378K |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5583 | $333K |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $296K |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5579 | $78K |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 295 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5574 | 264 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5572 | 170 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 150 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 30 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 7 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5580 | 2 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5578 | 1 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5582 | 1 |
Schedule RC-E: Deposit Liabilities (32 items)
About Schedule RC-E · Waterford Bank, N.A. deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Transaction Accounts | RCON2215 | $839.8M |
| Total Demand Deposits (See Note Below) | RCON2210 | $811.8M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $736.4M |
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $724.0M |
| Total reciprocal deposits | RCONJH83 | $547.8M |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $546.0M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $392.4M |
| Sweep deposits: Fully insured, non-affiliate sweep deposits | RCONMT91 | $332.6M |
| Total sweep deposits that are not brokered deposits | RCONMT95 | $332.6M |
| Total Brokered Deposits | RCON2365 | $287.1M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $165.3M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $146.5M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $141.2M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $134.3M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $129.3M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $94.8M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK12 | $73.2M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $72.4M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $61.1M |
| Selected Components of Total Deposits, Brokered Deposits of 250000 or Less (Fully Insured Brokered Deposits) | RCONHK05 | $57.8M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $57.0M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $39.3M |
| Selected Components of Total Deposits, Brokered Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK06 | $38.6M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $22.2M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $21.7M |
| Total Nontransaction Accounts of Commercial Banks and Other Depository Institutions in the U.S. | RCONB552 | $12.7M |
| Estimated Amount of Deposits Obtained Through the Use of Deposit Listing Services That Are Not Brokered Deposits | RCONK223 | $9.5M |
| Total Transaction Accounts - Deposits of Commercial Banks and Other Depository Institutions in the U.S. | RCONB551 | $8.7M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK14 | $6.9M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $6.4M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $3.9M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK10 | $106K |
Schedule RC-F: Other Assets (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Net Deferred Tax Assets | RCON2148 | $9.6M |
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $7.8M |
| Other Assets | RCON2168 | $7.2M |
| Life Insurance Assets: General Account Life Insurance Assets | RCONK201 | $6.9M |
| Accrued Interest Receivable | RCONB556 | $5.4M |
| Prepaid Expenses | RCON2166 | $3.1M |
Schedule RC-G: Other Liabilities (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Other Expenses Accrued and Unpaid | RCON3646 | $4.2M |
| All Other Liabilities | RCON2938 | $2.4M |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $1.5M |
| Operating lease liabilities | RCONLB56 | $1.1M |
| Second Itemized Amount That Exceeds 25% of All Other Liabilities (2938) or (2942) | RCON3553 | $761K |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCONB557 | $430K |
Schedule RC-K: Quarterly Averages (15 items)
About Schedule RC-K · Waterford Bank, N.A. quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $1.78B |
| Quarterly Average of Total Loans | RCON3360 | $1.38B |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $788.7M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $529.8M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $509.8M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $410.6M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $176.9M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $152.5M |
| Mortgage-backed Securities | RCONB559 | $150.3M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $147.6M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $74.0M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $44.0M |
| Quarterly Average of Other Borrowed Money | RCON3355 | $25.6M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $6.6M |
| All Other Securities | RCONB560 | $2.5M |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (10 items)
About Schedule RC-L · Waterford Bank, N.A. derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $391.9M |
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $122.5M |
| Total Gross Notional Amount of Interest Rate Derivative Contracts Held for Purposes Other Than Trading: Contracts Marked to Market | RCON8725 | $61.0M |
| Unused Commitments - Credit Card Lines | RCON3815 | $30.3M |
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $21.3M |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $20.4M |
| Financial Standby Letters of Credit and Foreign Office Guarantees | RCON3819 | $10.4M |
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $4.6M |
| Performance Standby Letters of Credit | RCON3821 | $2.8M |
| Other unused commitments: Loans to nondepository financial institutions | RCONPV11 | $582K |
Schedule RC-M: Memoranda (6 items)
About Schedule RC-M · Waterford Bank, N.A. memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $68.6M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONF056 | $20.0M |
| Outstanding balance of PPP loans | RCONLG27 | $810K |
| All other intangible assets | RCONJF76 | $274K |
| Number of Executive Officers, Directors, and Principal Shareholders to Whom the Amount of All Extensions of Credit by the Reporting Bank (Including Extensions of Credit to Related Interests) Equals or Exceeds the Lesser of $500,000 or 5 Percent of Total Capital as Defined for This Purpose in Agency Regulations | RCON6165 | 6 |
| Number of outstanding PPP Loans | RCONLG26 | 1 |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (13 items)
About Schedule RC-N · Waterford Bank, N.A. past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $9.5M |
| Additions to Nonaccrual Assets | RCONC410 | $5.0M |
| Commercial and Industrial Loans - Nonaccrual | RCON1608 | $4.4M |
| Loans Secured by Other Nonfarm Nonresidential Properties, Nonaccrual | RCONF183 | $2.7M |
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $1.4M |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-nonaccural | RCONC229 | $1.1M |
| Commercial and Industrial Loans - Past Due 30-89 Days and Still Accruing | RCON1606 | $1.0M |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Nonaccrual | RCONK218 | $658K |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, Nonaccrual | RCONF182 | $553K |
| Loans Secured by Other Nonfarm Nonresidential Properties, 30-89 Days Past Due | RCONF179 | $381K |
| Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Nonaccrual | RCON5400 | $147K |
| Commercial and Industrial Loans - Past Due 90 Days or More and Still Accruing | RCON1607 | $39K |
| Total Loans and Lease Financing Receivables: Past Due 90 Days or More and Still Accruing | RCON1407 | $39K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (14 items)
About Schedule RC-O · Waterford Bank, N.A. other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $1.78B |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $1.57B |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $893.1M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $665.8M |
| Estimated Amount of Uninsured Assessable Deposits in Domestic Offices of the Bank and in Insured Branches in Puerto Rico and U.S. Territories and Possessions, Including Related Interest Accrued and Unpaid | RCON5597 | $551.2M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $183.7M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $4.0M |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $2.4M |
| Total Allowable Exclusions, Including Interest Accrued and Unpaid on Allowable Exclusions (Including Foreign Deposits) | RCONF237 | $75K |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 12,283 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 709 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 92 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 4 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-R: Regulatory Capital (1 item)
About Schedule RC-R · Waterford Bank, N.A. regulatory capital trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets Before Deductions for Excess Allowance for Loan and Lease Losses and Allocated Transfer Risk Reserve - 100% | RCONB704 | $1.62B |
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (24 items)
About Schedule RC-R, Part I · Waterford Bank, N.A. regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average total consolidated assets | RCOAKW03 | $1.78B |
| Average Total Assets (Net of Deductions) | RCOAA224 | $1.77B |
| Risk-weighted Assets (Net of Allowances and Other Deductions) | RCOAA223 | $1.62B |
| Total Qualifying Capital Allowable Under the Risk-based Capital Guidelines | RCOA3792 | $203.7M |
| Common Equity Tier 1 Capital | RCOAP859 | $184.7M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $184.7M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $184.7M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $179.4M |
| Retained Earnings | RCOAKW00 | $106.0M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $94.1M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$20.7M |
| Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP844 | -$20.7M |
| General Loan and Lease Valuation Allowances | RCOA5310 | $19.0M |
| Tier 2 (Supplementary) Capital | RCOA5311 | $19.0M |
| Tier 2 Capital Before Deductions | RCOAP870 | $19.0M |
| Less: Deductions from Common Equity Tier 1 Capital and Additional Tier 1 Capital (Sum of Items 6, 7, 8, 10.B, 11, 13 Through 17 and Certain Elements of Item 24 - See Instructions) | RCOAP875 | $15.4M |
| Goodwill Net of Associated Deferred Tax Liabilities (Dtls) | RCOAP841 | $15.2M |
| Intangible Assets (Other Than Goodwill and Mortgage Servicing Assets (Msas)), Net of Associated Dtls | RCOAP842 | $216K |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Total Risk-based Capital Ratio | RCOA7205 | 0.1261 |
| Common Equity Tier 1 Capital Ratio | RCOAP793 | 0.1143 |
| Tier 1 Risk-based Capital Ratio | RCOA7206 | 0.1143 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.1045 |
| Institution-specific Capital Buffer Necessary to Avoid Limitations on Distributions and Discretionary Bonus Payments: Capital Conservation Buffer | RCOAH311 | 0.0461 |
Schedule RC-R, Part II: Risk-Weighted Assets (65 items)
About Schedule RC-R, Part II · Waterford Bank, N.A. risk-weighted assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets for Purposes of Calculating the Allowance for Loan and Lease Losses 1.25 Percent Threshold | RCONS580 | $1.62B |
| Total Risk-weighted Assets | RCONG641 | $1.62B |
| Risk-weighted Assets by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG637 | $1.51B |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG633 | $1.51B |
| Total Balance Sheet Assets - 100 Pct Risk Weight Category | RCOND990 | $1.37B |
| Total Loans and Leases, Net of Unearned Income, All Other Exposures | RCONS457 | $1.32B |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 100 Pct Risk Weight Category | RCONS462 | $1.31B |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG631 | $296.8M |
| Total Balance Sheet Assets - 20 Pct Risk Weight Category | RCOND988 | $296.6M |
| Available-for-sale Securities - 20 Pct Risk Weight Category | RCOND968 | $273.1M |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes, Total Fair Value | RCONJA21 | $267.1M |
| Unconditionally Cancellable Commitments | RCONS540 | $259.0M |
| Unused Commitments, Original Maturity Exceeding One Year - Face, Notional, or Other Amount | RCONG624 | $228.4M |
| Unused Commitments, Original Maturity Exceeding One Year - Credit Equivalent Amount | RCONG625 | $114.2M |
| Unused Commitments, Original Maturity Exceeding One Year - 100 Pct Risk Weight Category | RCONG629 | $111.3M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Face, Notional or Other Amount | RCONS525 | $104.4M |
| Total Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures | RCONS439 | $70.1M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 0 Pct Risk Weight Category | RCONG630 | $68.9M |
| Total Balance Sheet Assets - 0 Pct Risk Weight Category | RCOND987 | $68.9M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG632 | $63.6M |
| Total Balance Sheet Assets - 50 Pct Risk Weight Category | RCOND989 | $63.6M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS442 | $62.6M |
| Notional Principal Amounts of Over-the-counter Derivate Contracts, Interest Rate - Over One Year Through Five Years | RCONS583 | $61.0M |
| Total All Other Assets | RCOND981 | $60.2M |
| Risk-weighted Assets by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG635 | $59.4M |
| Total Cash and Balances Due from Depository Institutions | RCOND957 | $58.6M |
| Cash and Balances Due from Depository Institutions - 0 Pct Risk Weight Category | RCOND958 | $45.1M |
| All Other Assets - 100 Pct Risk Weight Category | RCOND985 | $35.8M |
| Risk-weighted Assets by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG636 | $31.8M |
| Total Balance Sheet Assets - Adjustments to Total Reported in Column a | RCONS500 | -$29.3M |
| Available-for-sale Securities - Adjustment to Totals Reported in Column a | RCONS402 | -$26.1M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 100% | RCONS530 | $20.9M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Credit Equivalent Amount | RCONS526 | $20.9M |
| Available-for-sale Securities - 0 Pct Risk Weight Category | RCOND967 | $20.1M |
| All Other Assets - Adjustments to Totals Reported in Column a | RCONS469 | $15.5M |
| Risk-weighted Assets by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS572 | $14.5M |
| Cash and Balances Due from Depository Institutions - 20 Pct Risk Weight Category | RCOND959 | $13.6M |
| Financial Standby Letters of Credit - 100 Pct Risk Weight Category | RCOND996 | $10.4M |
| Financial Standby Letters of Credit - Credit Equivalent Amount | RCOND992 | $10.4M |
| Financial Standby Letters of Credit - Face, Notional, or Other Amount | RCOND991 | $10.4M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS561 | $9.7M |
| Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual - 100 Pct Risk Weight Category | RCONS454 | $9.1M |
| Total Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual | RCONS449 | $9.1M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 100 Pct Risk Weight Category | RCONS443 | $7.5M |
| Total Balance Sheet Assets - 150 Pct Risk Weight Category | RCONS503 | $6.8M |
| Loans and Leases, Net of Unearned Income, High Volatility Commercial Real Estate Exposures - 150 Pct Risk Weight Category | RCONS447 | $6.8M |
| Total Loans and Leases, Net of Unearned Income, High Volatility Commercial Real Estate Exposures | RCONS445 | $6.8M |
| All Other Assets - 20 Pct Risk Weight Category | RCOND983 | $5.9M |
| All Other Assets - 0 Pct Risk Weight Category | RCOND982 | $2.9M |
| Unused Commitments, Original Maturity Exceeding One Year - 150 Pct Risk Weight Category | RCONS539 | $2.9M |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - Face, Notional, or Other Amount | RCOND997 | $2.8M |
| Held-to-maturity Securities - 20 Pct Risk Weight Category | RCOND963 | $2.5M |
| Total Held-to-maturity Securities | RCOND961 | $2.5M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 20 Pct Risk Weight Category | RCONS460 | $1.5M |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - 100 Pct Risk Weight Category | RCONG605 | $1.4M |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - Credit Equivalent Amount | RCOND998 | $1.4M |
| Loans and Leases Held for Sale, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS416 | $956K |
| Total Loans and Leases Held for Sale, Residential Mortgage Exposures | RCONS413 | $956K |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 0 Pct Risk Weight Category | RCONS459 | $811K |
| Over-the-counter Derivatives - Credit Equivalent Amount | RCONS542 | $462K |
| Over-the-counter Derivatives - 100 Pct Risk Weight Category | RCONS547 | $231K |
| Over-the-counter Derivatives - 20 Pct Risk Weight Category | RCONS545 | $231K |
| Current Credit Exposure Across All Derivative Contracts Covered by the Regulatory Capital Rules | RCONG642 | $156K |
| All Other Assets - 50 Pct Risk Weight Category | RCOND984 | $127K |
| Allocation by Risk Weight Category 150%, All Other Assets | RCONH185 | $21K |
Schedule RI-A: Changes in Bank Equity Capital (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $179.4M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $172.3M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $172.3M |
| Cash Dividends Declared on Common Stock | RIAD4460 | $3.4M |
| Other Comprehensive Income | RIADB511 | -$829K |
| Other Transactions with Stockholders (Including Parent Holding Company) | RIAD4415 | $210K |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (2 items)
About Schedule RI-B, Part I · Waterford Bank, N.A. charge-offs and recoveries on loans and leases trends
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (3 items)
About Schedule RI-B, Part II · Waterford Bank, N.A. changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Allowance for Loan and Lease Losses | RIAD3123 | $18.6M |
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $16.7M |
| Provisions for credit losses on off-balance-sheet exposures | RIADMG93 | $70K |
Schedule RI-C: Disaggregated Data on the Allowance for Credit Losses (12 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Loans and Leases, Held for Investment, Total, Amortized Cost | RCONJJ11 | $1.40B |
| Loans and Leases, Held for Investment, Real estate loans, Commercial real estate loans, Amortized Cost | RCONJJ05 | $762.8M |
| Loans and Leases, Held for Investment, Commerical loans, Amortized Cost | RCONJJ07 | $512.6M |
| Loans and Leases, Held for Investment, Real estate loans, Residential real estate loans, Amortized Cost | RCONJJ06 | $72.9M |
| Loans and Leases, Held for Investment, Real estate loans, Construction loans, Amortized Cost | RCONJJ04 | $46.3M |
| Loans and Leases, Held for Investment, Total, Allowance Balance | RCONJJ19 | $18.6M |
| Loans and Leases, Held for Investment, Commerical loans, Allowance Balance | RCONJJ15 | $8.8M |
| Loans and Leases, Held for Investment, Real estate loans, Commercial real estate loans, Allowance Balance | RCONJJ13 | $8.0M |
| Loans and Leases, Held for Investment, Other consumer loans, Amortized Cost | RCONJJ09 | $6.5M |
| Loans and Leases, Held for Investment, Real estate loans, Residential real estate loans, Allowance Balance | RCONJJ14 | $949K |
| Loans and Leases, Held for Investment, Other consumer loans, Allowance Balance | RCONJJ17 | $485K |
| Loans and Leases, Held for Investment, Real estate loans, Construction loans, Allowance Balance | RCONJJ12 | $417K |
Schedule RI-E: Explanations (1 item)
| Line item | Code | Q2 2026 |
|---|---|---|
| First Itemized Transaction of Other Transactions with Stockholders (Including Parent Holding Company) (4415) | RIAD4498 | $210K |
Schedule SU: Supplemental Information (1 item)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Outstanding Principal Balance of Closed End 1-4 Family Residential Mortgage Loans Serviced for Others Plus the Total Outstanding Principal Balance of Other Financial Assets Serviced for Others If More Than $10 Million | RCONFT12 | $10.9M |
Waterford Bank, N.A. call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the Waterford Bank, N.A. call report?
The Waterford Bank, N.A. call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does Waterford Bank, N.A. file?
Waterford Bank, N.A. files the FFIEC 051. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the Waterford Bank, N.A. call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: Waterford Bank, N.A. has Federal Reserve RSSD ID 3588424 and FDIC certificate number 58433. Either one finds its filings on the FFIEC Central Data Repository.
How often does Waterford Bank, N.A. file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
Waterford Bank, N.A. financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 58433) · FFIEC NIC profile (RSSD 3588424)