Waterford Bank, N.A.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Waterford Bank, N.A. of Toledo, OH against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA Behind the peer average, ahead of the median peer. | 1.31% | 1.46% | -0.15% | 53rd above |
| ROAE | 13.14% | 12.72% | +0.42% | 56th above |
| Net Interest Margin | 3.38% | 3.85% | -0.47% | 30th below |
| Efficiency Ratio | 47.18% | 57.41% | -10.23% | 82nd top |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.87% | 1.88% | -0.01% | 61st above |
| Yield on Earning Assets | 5.39% | 5.72% | -0.33% | 41st below |
| Cost of Funds | 2.24% | 2.02% | +0.22% | 35th below |
| Net Interest Spread | 2.72% | 3.18% | -0.46% | 30th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.68% | 1.00% | -0.32% | 46th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.54% | 0.76% | -0.22% | 46th below |
| NCO / Avg Loans | -0.15% | 0.43% | -0.58% | 99th top |
| ACL / Total Loans | 1.33% | 1.31% | +0.02% | 73rd above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 195.41% | 543.60% | -348.19% | 54th above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.24% | 7.39% | -2.15% | 48th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.43% | 17.34% | -5.91% | 16th bottom |
| Tier 1 Ratio | 11.43% | 17.37% | -5.94% | 16th bottom |
| Total Capital Ratio | 12.61% | 18.42% | -5.81% | 17th bottom |
| Leverage Ratio | 10.45% | 11.44% | -0.99% | 49th below |
| Equity / Assets | 10.13% | 11.34% | -1.21% | 45th below |
| TCE / Tangible Assets | 9.33% | 10.50% | -1.17% | 40th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 89.65% | 86.95% | +2.70% | 47th below |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 87.28% | 85.55% | +1.73% | 42nd below |
| Uninsured Deposit Ratio | 35.25% | 33.12% | +2.13% | 38th below |
| Wholesale Funding Ratio | 1.13% | 5.71% | -4.58% | 79th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.46% | 9.69% | -7.23% | 31st below |
| Loan Growth (Y/Y) | 3.62% | 8.06% | -4.44% | 39th below |
| Deposit Growth (Y/Y) | 3.52% | 7.87% | -4.35% | 41st below |
See Waterford Bank, N.A.'s peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Waterford Bank, N.A., freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Waterford Bank, N.A. profile, how to read a UBPR, or how this data updates.