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The Waterford Commercial and Savings Bank Locations & Branches Waterford, Ohio
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The Waterford Commercial and Savings Bank operates 2 branches from its headquarters in Waterford, OH, . Its main office is at 20115 State Route 339, Waterford, OH 45786.
The Waterford Commercial and Savings Bank branch network
Both branches are in OHIO, across 2 cities. Its largest office by deposits is the The Waterford Commercial and Savings Bank office in Waterford, OH, with $43.7M (83.8% of its branch deposits). It had the same number of branches on June 30, 2025.
The Waterford Commercial and Savings Bank at a glance
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.
- Total assets, Q2 2026
- $60.0M
- Tier 1 leverage ratio, Q2 2026
- 13.60%
- Deposit insurance
- FDIC
- Regulator
- FDIC
- Latest call report
- Q2 2026, FFIEC 051
- Established
- 1908
Full financial profile · Is The Waterford Commercial and Savings Bank safe? · The Waterford Commercial and Savings Bank Q3 2026 call report, filed October 27, 2026 (preliminary) · Routing number
Deposit market share
Share of all FDIC-insured deposits held in each area, from the June 30, 2026 Summary of Deposits. Rank 1 is the largest holder. Shares are by bank charter, not by holding company.
| Area | Rank | Deposit share | Deposits |
|---|---|---|---|
| City: Waterford, OH (1 branch) | 1 of 1 | 100.0% | $43.7M |
| State: OH (2 branches) | 166 of 184 | <0.1% | $52.1M |
Ranked by total assets among banks headquartered in the state: Largest banks in Ohio.
Share by county and metro area
The Waterford Commercial and Savings Bank's share of FDIC-insured deposits in the counties and metro areas where it has branches, from the June 30, 2026 Summary of Deposits. Up to the ten largest of each are shown, by the bank's deposits. Rank 1 is the largest holder. Banks only: credit unions are not in the Summary of Deposits.
Counties
| County | Rank | Deposit share | Deposits | County total |
|---|---|---|---|---|
| Washington, OH (1 branch) | 7 of 10 | 1.7% | $43.7M | $2.61B |
| Perry, OH (1 branch) | 8 of 8 | 1.7% | $8.4M | $509.5M |
Metro areas
| Metro area | Rank | Deposit share | Deposits | Metro total |
|---|---|---|---|---|
| Marietta, OH (1 branch) | 7 of 10 | 1.7% | $43.7M | $2.61B |
| Columbus, OH (1 branch) | 51 of 53 | <0.1% | $8.4M | $124.59B |
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The Waterford Commercial and Savings Bank | Waterford, OH | 45786 | $43.7M |
| Crooksville Branch | Crooksville, OH | 43731 | $8.4M |
Source: FDIC Summary of Deposits, June 30, 2026. How the survey works.
Regulator records: FDIC BankFind (cert 8397) · FFIEC NIC profile (RSSD 324229)