The Waterford Commercial and Savings Bank
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Data as of · sourced from FFIEC call reports. How we update
The Waterford Commercial and Savings Bank is an FDIC-insured commercial bank headquartered in Waterford, OH, established in 1908 (FDIC certificate 8397), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $60.0M, up 0.5% from Q2 2025, the 144th largest of 154 banks headquartered in Ohio. It reports no CET1 ratio; its Tier 1 leverage ratio was 13.60% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 8397
- Headquarters
- Waterford, OH
- Established
- 1908
- Total assets, Q2 2026
- $60.0M
- Assets vs Q2 2025
- +0.5%
- Tier 1 leverage ratio, Q2 2026
- 13.60%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 044211910
- Latest call report
- Q2 2026, FFIEC 051 · The Waterford Commercial and Savings Bank Q3 2026 call report, filed October 27, 2026 (preliminary)
- Asset rank in state
- 144th of 154 in Ohio
The Waterford Commercial and Savings Bank leans heavily on commercial real estate. It reported $60 million in assets at June 30, 2026. It holds commercial real estate loans worth 1.1 times its capital, 3.5 times the median of 30% for the 533 banks with less than $100 million in assets. It also grew its loan book 10.3% over the year, 4.0 times the median of 2.6% for banks its size.
Loans and deposits moved in opposite directions: over the year loans rose 10.3% and deposits fell 0.3%.
As of June 30, 2026, The Waterford Commercial and Savings Bank reported a return on assets of 0.90%, a nonperforming-loan ratio of 0.09% and a Texas ratio of 0.45%. The figures come from its call report filed with the FFIEC.
The Waterford Commercial and Savings Bank ranks as the 144th largest of the 154 banks based in Ohio, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 10.3% to $60.0M, loans rose 4.3% and deposits rose 11.9%. 1-4 family residential loans made up 58.2% of its total loans on June 30, 2026, its largest category; next came construction and land development loans at 17.9%. Its 2 offices in the FDIC Summary of Deposits are in Waterford, OH and Crooksville, OH; its Waterford office books 84% of its branch deposits. By the capital ratios in its Q2 2026 call report, The Waterford Commercial and Savings Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 20115 State Route 339, Waterford, OH 45786
- County
- Washington
- Metro Area
- Marietta, OH
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1908
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 15
- Domestic deposits
- $52.1M
- Allowance for credit losses
- $375K
- Net charge-offs (YTD)
- -$25K
- Average total assets
- $58.8M
- Average total loans
- $40.1M
- Average interest-bearing deposits
- $38.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 8397
- Fed RSSD
- 324229
- Website
- www.waterfordbank.com →
- Parent Holding Company
- 2012 WATERFORD COMMERCIAL & SAVINGS BANK SHAREHOLDERS VOTING TRUST (RSSD 4452401)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, The Waterford Commercial and Savings Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, The Waterford Commercial and Savings Bank's total assets ran between $54.4M (Q1 2026) and $61.6M (Q3 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$60.0M total assets against $59.7M; $52.4M total liabilities against $52.5M.
$40.8M net loans and leases against $36.9M; $52.1M total deposits against $52.3M.
$8.5M securities against $13.0M; $9.0M cash and balances due against $8.1M.
$794K total interest income against $726K; $175K total interest expense against $144K.
$619K net interest income against $582K.
$89K total noninterest income against $84K; $555K total noninterest expense against $505K.
No provision recorded in the last 12 quarters.
$132K net income against $130K.
0.90% return on assets against 0.88%; 4.49% net interest margin against 4.10%.
13.60% tier 1 leverage ratio against 12.96%.
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21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.51% (Q4 2024) to 0.97% (Q3 2025) and its net interest margin ran from 3.29% (Q3 2024) to 4.49% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.60% | 0.90% | 0.09% | 0.45% | 4.49% |
| Q1 2026 | 14.18% | 0.67% | 0.28% | 1.41% | 4.39% |
| Q4 2025 | 13.01% | 0.56% | 0.00% | 0.00% | 4.32% |
| Q3 2025 | 13.03% | 0.97% | 0.02% | 0.08% | 4.33% |
| Q2 2025 | 12.96% | 0.88% | 0.11% | 0.53% | 4.10% |
| Q1 2025 | 13.50% | 0.92% | 0.17% | 0.86% | 3.85% |
| Q4 2024 | 13.01% | 0.51% | 0.26% | 1.32% | 3.72% |
| Q3 2024 | 12.94% | 0.53% | 0.00% | 0.00% | 3.29% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The Waterford Commercial and Savings Bank | Waterford , OH | 45786 | $43.7M |
| Crooksville Branch | Crooksville , OH | 43731 | $8.4M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in OH, rank 166 of 184 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 52 applications, 43 loans originated, $7.9M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Not on file
- Enforcement actions, SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about The Waterford Commercial and Savings Bank
What are The Waterford Commercial and Savings Bank's total assets?
As of the Q2 2026 filing, The Waterford Commercial and Savings Bank reported total assets of $60.0 million in its FFIEC call report.
Where is The Waterford Commercial and Savings Bank headquartered?
It is headquartered in Waterford, OH, United States.
When was The Waterford Commercial and Savings Bank founded?
It was established in 1908, per the FDIC institution directory.
Is The Waterford Commercial and Savings Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #8397). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Waterford Commercial and Savings Bank?
The Waterford Commercial and Savings Bank's primary federal regulator is the FDIC.
How many branches does The Waterford Commercial and Savings Bank operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Waterford Commercial and Savings Bank's Texas Ratio?
Its Texas Ratio is 0.45% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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