Waterford Bank, N.A.: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 76.90 percentage points higher than in Q1 2026, at 195.41%. Waterford Bank, N.A. ranks 52nd of 156 Ohio banks on return on assets, in the upper half at 1.31% (Q2 2026). The median for banks in the $1B-10B asset tier is 1.28% on return on assets; Waterford Bank, N.A. reported 1.31% for Q2 2026, nearly level with it.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.43% |
| Tier 1 risk-based capital ratio | 11.43% |
| Total risk-based capital ratio | 12.61% |
| Tier 1 leverage ratio | 10.45% |
| Equity capital to assets | 10.13% |
| Tangible equity to tangible assets | 9.33% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.68% |
| Non-performing assets ratio | 0.54% |
| Net charge-off ratio | -0.15% |
| Texas ratio | 5.24% |
| Allowance for credit losses to loans | 1.33% |
| Reserve coverage of non-performing loans | 195.41% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.31% |
| Return on equity | 13.14% |
| Net interest margin | 3.38% |
| Efficiency ratio | 47.18% |
| Yield on earning assets | 5.39% |
| Cost of funds | 2.24% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 89.65% |
| Core deposits to total deposits | 87.28% |
| Brokered deposits to total deposits | 18.36% |
| Deposits to assets | 88.26% |
| Securities to assets | 15.21% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 10.43% | 10.43% | 11.41% | 9.03% | 0.69% |
| Q4 2023 | 10.50% | 10.50% | 11.49% | 9.09% | 0.91% |
| Q1 2024 | 10.51% | 10.51% | 11.50% | 9.21% | 0.70% |
| Q2 2024 | 10.38% | 10.38% | 11.38% | 9.11% | 0.78% |
| Q3 2024 | 10.71% | 10.71% | 11.73% | 9.10% | 1.06% |
| Q4 2024 | 10.81% | 10.81% | 12.06% | 9.20% | 0.24% |
| Q1 2025 | 10.79% | 10.79% | 11.77% | 9.41% | 0.93% |
| Q2 2025 | 10.86% | 10.86% | 11.87% | 9.55% | 1.12% |
| Q3 2025 | 10.98% | 10.98% | 12.03% | 9.60% | 1.25% |
| Q4 2025 | 11.24% | 11.24% | 12.32% | 9.88% | 0.95% |
| Q1 2026 | 11.70% | 11.70% | 12.83% | 10.36% | 1.21% |
| Q2 2026 | 11.43% | 11.43% | 12.61% | 10.45% | 1.31% |
Waterford Bank, N.A. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Waterford Bank, N.A., freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Waterford Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58433) · FFIEC NIC profile (RSSD 3588424)