Bank call report · Waterford, OH
The Waterford Commercial and Savings Bank Call Report
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The Waterford Commercial and Savings Bank filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 051. Below are its 230 reported line items, schedule by schedule (451 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 | 324229 |
| FDIC certificate number | 8397 |
| Total assets | $60.0M |
Official Q2 2026 call report PDF (FFIEC) →
The Waterford Commercial and Savings Bank 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 (24 items)
About Schedule RC · The Waterford Commercial and Savings Bank balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $60.0M |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $60.0M |
| Total Liabilities and Minority Interest | RCON2948 | $52.4M |
| Total Deposits | RCON2200 | $52.1M |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $41.1M |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $40.8M |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $39.1M |
| Deposits: Noninterest-bearing | RCON6631 | $13.0M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $8.5M |
| Total Equity Capital | RCON3210 | $7.7M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $7.7M |
| Undivided Profits and Capital Reserves | RCON3632 | $7.5M |
| Interest-bearing Balances | RCON0071 | $4.5M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $2.9M |
| Federal Funds Sold | RCONB987 | $1.7M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $1.0M |
| Other Assets | RCON2160 | $677K |
| Allowance for Loan and Lease Losses | RCON3123 | $375K |
| Accumulated Other Comprehensive Income | RCONB530 | -$326K |
| Surplus | RCON3839 | $325K |
| Other Liabilities, Total | RCON2930 | $227K |
| Common Stock | RCON3230 | $200K |
| Equity securities with readily determinable fair values not held for trading | RCONJA22 | $91K |
| Investments and Unconsolidated Subsidiaries and Associated Companies | RCON2130 | $5K |
Schedule RI: Income Statement (35 items)
About Schedule RI · The Waterford Commercial and Savings Bank income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $1.5M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $1.4M |
| Net Interest Income | RIAD4074 | $1.2M |
| Total Noninterest Expense | RIAD4093 | $1.1M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $751K |
| Other Noninterest Expense | RIAD4092 | $494K |
| Salaries and Employee Benefits | RIAD4135 | $433K |
| Total Interest Expense | RIAD4073 | $332K |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $302K |
| 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 | $290K |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $282K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $256K |
| 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 | $253K |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $226K |
| Net Income (Loss) | RIAD4340 | $226K |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $226K |
| Total Noninterest Income | RIAD4079 | $173K |
| Expenses of Premises and Fixed Assets | RIAD4217 | $151K |
| Other Noninterest Income | RIADB497 | $121K |
| Applicable Income Taxes | RIAD4302 | $56K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $56K |
| Interest Income on Federal Funds Sold and Securities Purchased Under Agreements to Resell | RIAD4020 | $52K |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $52K |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $48K |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $47K |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $34K |
| Interest on Other Securities | RIAD4060 | $27K |
| Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. | RIAD4507 | $19K |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $17K |
| Other Interest Income | RIAD4518 | $11K |
| Unrealized holding gains (losses) on equity securities not held for trading | RIADHT70 | -$8K |
| Savings Deposits (Including Mmdas) | RIAD0093 | $3K |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $1K |
| Interest and Fee Income on All Other Loans in Domestic Offices | RIAD4058 | $1K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 15 |
Schedule RC-B: Securities (21 items)
About Schedule RC-B · The Waterford Commercial and Savings Bank 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 | $1K |
| 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 | $1K |
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $8.9M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost | RCONHT52 | $6.4M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value | RCONHT53 | $6.1M |
| Pledged Securities | RCON0416 | $4.2M |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $4.0M |
| 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 | $4.0M |
| 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 | $2.1M |
| Amortized Cost of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8498 | $2.0M |
| Fair Value of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8499 | $1.9M |
| 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 | $1.6M |
| 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 Five Years Through Fifteen Years | RCONA553 | $648K |
| Amortized Cost of Available-for-sale U.S. Treasury Securities | RCON1286 | $300K |
| Fair Value of Available-for-sale U.S. Treasury Securities | RCON1287 | $284K |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Amortized Cost | RCONHT56 | $126K |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Fair Value | RCONHT57 | $118K |
| 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 | $73K |
| 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 | $42K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONA555 | $3K |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF THREE YEARS OR LESS | RCONA561 | $1K |
Schedule RC-C, Part I: Loans and Leases (29 items)
About Schedule RC-C, Part I · The Waterford Commercial and Savings Bank loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $41.1M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $21.3M |
| Pledged Loans and Leases | RCONG378 | $21.3M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $21.1M |
| 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 15 Years | RCONA569 | $13.1M |
| 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 | $7.8M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $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 | $5.2M |
| 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 | $4.6M |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $4.0M |
| 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 | $3.4M |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $2.0M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $1.9M |
| 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 | $1.8M |
| 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 Three Months Through 12 Months | RCONA571 | $1.7M |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $1.6M |
| 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 | $1.5M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $1.5M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $1.4M |
| Commercial and Industrial Loans | RCON1766 | $1.2M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $1.0M |
| Real Estate Loans Secured by Farmland | RCON1420 | $970K |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $427K |
| 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 | $416K |
| 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 | $72K |
| Other Loans | RCONJ464 | $56K |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $55K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Other Revolving Credit Plans | RCONB539 | $12K |
| 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 | $6K |
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 $100,000 Through $250,000 | RCON5567 | $708K |
| 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 | $578K |
| 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 | $503K |
| 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 | $435K |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $366K |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $341K |
| 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 | $268K |
| 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 | $267K |
| 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 | $257K |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 16 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5578 | 14 |
| 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 Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 6 |
| 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 | 5 |
| 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 | 3 |
| 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 | 2 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 2 |
| 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 (22 items)
About Schedule RC-E · The Waterford Commercial and Savings Bank deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Transaction Accounts | RCON2215 | $28.1M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $24.3M |
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $24.0M |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $23.6M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $13.7M |
| Total Demand Deposits (See Note Below) | RCON2210 | $13.0M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $8.5M |
| 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 | $7.8M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $6.1M |
| 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 | $5.9M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $5.1M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $4.2M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $3.9M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $3.8M |
| 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 Over Three Months Through 12 Months | RCONHK13 | $3.6M |
| 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 | $836K |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $807K |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $405K |
| 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 | $342K |
| 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 | $280K |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $119K |
| 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 | $82K |
Schedule RC-F: Other Assets (7 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $329K |
| Accrued Interest Receivable | RCONB556 | $153K |
| Other Assets | RCON2168 | $108K |
| Net Deferred Tax Assets | RCON2148 | $87K |
| Prepaid Expenses | RCON2166 | $52K |
| Second Itemized Amount That Exceeds 25% of All Other Assets (2168) | RCON3550 | $30K |
| First Itemized Amount That Exceeds 25% of All Other Assets (2168) | RCON3549 | $25K |
Schedule RC-G: Other Liabilities (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| All Other Liabilities | RCON2938 | $140K |
| Operating lease liabilities | RCONLB56 | $124K |
| Other Expenses Accrued and Unpaid | RCON3646 | $40K |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $37K |
| Accounts Payable | RCON3066 | $15K |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCONB557 | $10K |
Schedule RC-K: Quarterly Averages (15 items)
About Schedule RC-K · The Waterford Commercial and Savings Bank quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $58.8M |
| Quarterly Average of Total Loans | RCON3360 | $40.1M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $24.0M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $15.1M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $14.5M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $8.9M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $6.4M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $5.9M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $5.5M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $3.6M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $3.3M |
| Quarterly Average of Federal Funds Sold and Securities Purchased Under Agreements to Resell | RCON3365 | $2.9M |
| All Other Securities | RCONB560 | $2.0M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $1.2M |
| Mortgage-backed Securities | RCONB559 | $130K |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (6 items)
About Schedule RC-L · The Waterford Commercial and Savings Bank derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| All Other Off-balance Sheet Liabilities | RCON3430 | $5.0M |
| Standby Letters of Credit Issued by a Federal Home Loan Bank on the Bank's Behalf | RCONC978 | $5.0M |
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $1.7M |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $690K |
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $347K |
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $218K |
Schedule RC-M: Memoranda (1 item)
About Schedule RC-M · The Waterford Commercial and Savings Bank 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 | $735K |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (10 items)
About Schedule RC-N · The Waterford Commercial and Savings Bank past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $534K |
| Commercial and Industrial Loans - Past Due 30-89 Days and Still Accruing | RCON1606 | $322K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC236 | $200K |
| Total Loans and Lease Financing Receivables: Past Due 90 Days or More and Still Accruing | RCON1407 | $36K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 90 Days or More and Still Accruing | RCONC237 | $30K |
| Additions to Nonaccrual Assets | RCONC410 | $13K |
| Nonaccrual Assets Sold During the Quarter | RCONC411 | $13K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Past Due 30 Through 89 Days and Still Accruing | RCONK213 | $10K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Past Due 90 Days or More and Still Accruing | RCONK214 | $6K |
| All Other Loans - Past Due 30 Through 89 Days and Still Accruing | RCON5459 | $2K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (10 items)
About Schedule RC-O · The Waterford Commercial and Savings Bank other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $58.8M |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $52.2M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $40.9M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $10.4M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $8.0M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $811K |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 3,552 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 27 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 21 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (17 items)
About Schedule RC-R, Part I · The Waterford Commercial and Savings Bank regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCOA2170 | $60.0M |
| Average Total Assets (Net of Deductions) | RCOAA224 | $58.8M |
| Average total consolidated assets | RCOAKW03 | $58.8M |
| Common Equity Tier 1 Capital | RCOAP859 | $8.0M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $8.0M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $8.0M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $7.7M |
| Retained Earnings | RCOAKW00 | $7.5M |
| Off-balance sheet exposures: Unused portion of conditionally cancellable commitments | RCOAKX79 | $3.0M |
| Total off-balance sheet exposures (sum of items 34.a through 34.c) Report as a dollar amount in Column A and as a percentage of total assets (25% limit) in Column B | RCOAKX82 | $3.0M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $525K |
| Accumulated Other Comprehensive Income | RCOAB530 | -$326K |
| 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 | -$326K |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Do you qualify for and opt-in to CBLR? | RCOALE74 | 1 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.136 |
| Total off-balance sheet exposures (sum of items 15a through 15.c) | RCOAKX83 | 0.05 |
Schedule RI-A: Changes in Bank Equity Capital (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $7.7M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $7.5M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $7.5M |
| Cash Dividends Declared on Common Stock | RIAD4460 | $80K |
| Other Comprehensive Income | RIADB511 | $12K |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (2 items)
About Schedule RI-B, Part I · The Waterford Commercial and Savings Bank charge-offs and recoveries on loans and leases trends
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (2 items)
About Schedule RI-B, Part II · The Waterford Commercial and Savings Bank changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Allowance for Loan and Lease Losses | RIAD3123 | $375K |
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $350K |
The Waterford Commercial and Savings Bank 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 The Waterford Commercial and Savings Bank call report?
The The Waterford Commercial and Savings Bank 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 The Waterford Commercial and Savings Bank file?
The Waterford Commercial and Savings Bank 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 The Waterford Commercial and Savings Bank call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: The Waterford Commercial and Savings Bank has Federal Reserve RSSD ID 324229 and FDIC certificate number 8397. Either one finds its filings on the FFIEC Central Data Repository.
How often does The Waterford Commercial and Savings Bank 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.
The Waterford Commercial and Savings Bank 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 8397) · FFIEC NIC profile (RSSD 324229)