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 The Waterford Commercial and Savings Bank
The Waterford Commercial and Savings Bank
| RSSD ID 324229 | CERTIFICATE 8397 | ABA NUMBER 44211910 |
| 20115 State Route 339 |
Quarter Ended : |
2025-12-31 |
| Waterford, Ohio, 45786 |
Updated : |
2026-01-23 |
| www.waterfordbank.com |
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| Institution Profile |
| Year Opened : |
1908 |
Institution Type : |
Commercial bank |
| Entity Type : |
State |
Federal Regulator : |
FDIC |
| Member Federal Reserve : |
No |
S-Corp : |
No |
| Fiduciary Powers : |
No |
Powers Exercised : |
No |
| Filing Type : |
051 |
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| Specialization : |
All Other Under 1 Billion |
| Number of Offices : |
2 |
Number of Employees : |
15 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 56,113 |
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Total Interest Income | 2,925 |
| Total Liabilities | 48,605 |
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Total NonInterest Income | 345 |
| Total Bank Equity Capital | 7,508 |
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Total Interest Expense | 592 |
| Total Deposits | 48,336 |
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Total NonInterest Expense | 2,083 |
| Net Loans & Leases | 38,663 |
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Net Income | 488 |
| Loan Loss Allowance | 350 |
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Net Charge Offs | 1 |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Community Bank Leverage Ratio | Yes |
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Total loans | 38,989 |
| Total assets for the leverage ratio | 60,307 |
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Loans secured by real estate: | 32,343 |
| Tier 1 Leverage Ratio | 13.01 |
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Commercial and industrial loans | 1,193 |
| Off Balance Sheet Exposures (%) | 4.92 |
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Loans to individuals - Credit Cards | 0 |
| Trading Assets and Liabilities (%) | 0 |
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Loans to individuals - Other | 5,298 |
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:· The Waterford Commercial and Savings Bank
