The Waterford Commercial and Savings Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Waterford Commercial and Savings Bank of Waterford, OH against its peer group of 536 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 | 0.90% | 3.14% | -2.24% | 43rd below |
| ROAE | 6.94% | 10.42% | -3.48% | 41st below |
| Net Interest Margin | 4.49% | 3.93% | +0.56% | 75th top |
| Efficiency Ratio | 78.13% | 76.30% | +1.83% | 35th below |
| PPNR / Avg Assets | 1.04% | 1.40% | -0.36% | 41st below |
| Yield on Earning Assets | 5.75% | 5.35% | +0.40% | 69th above |
| Cost of Funds | 1.38% | 1.71% | -0.33% | 59th above |
| Net Interest Spread | 3.85% | 3.31% | +0.54% | 73rd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 1.34% | -1.34% | 83rd top |
| NPA / Total Assets | 0.00% | 0.71% | -0.71% | 81st top |
| NCO / Avg Loans | 0.00% | 0.11% | -0.11% | 53rd above |
| ACL / Total Loans | 0.91% | 1.49% | -0.58% | 22nd bottom |
| Texas Ratio | 0.45% | 8.26% | -7.81% | 62nd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 13.60% | 17.61% | -4.01% | 55th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 12.77% | 16.43% | -3.66% | 52nd above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 12.77% | 16.18% | -3.41% | 54th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 78.89% | 72.82% | +6.07% | 33rd below |
| Core Deposit Ratio | 91.89% | 88.21% | +3.68% | 53rd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.51% | 4.31% | -3.80% | 36th below |
| Loan Growth (Y/Y) | 10.35% | 6.72% | +3.63% | 78th top |
| Deposit Growth (Y/Y) | -0.29% | 3.78% | -4.07% | 33rd below |
See The Waterford Commercial and Savings Bank's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Waterford Commercial and Savings Bank, 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 The Waterford Commercial and Savings Bank profile, how to read a UBPR, or how this data updates.