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 Waterford Bank, N.A.
Waterford Bank, N.A.
| RSSD ID 3588424 | CERTIFICATE 58433 | ABA NUMBER 41215854 |
| 3900 N Mccord Rd |
Quarter Ended : |
2025-06-30 |
| Toledo, Ohio, 43617 |
Updated : |
2025-07-30 |
| www.waterfordbankna.com |
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| Institution Profile |
| Year Opened : |
2007 |
Institution Type : |
Commercial bank |
| Entity Type : |
Federal |
Federal Regulator : |
OCC |
| Member Federal Reserve : |
Yes |
S-Corp : |
No |
| Fiduciary Powers : |
No |
Powers Exercised : |
No |
| Filing Type : |
051 |
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| Specialization : |
Commercial Lending Specialization |
| Number of Offices : |
4 |
Number of Employees : |
101 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 1,729,385 |
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Total Interest Income | 44,562 |
| Total Liabilities | 1,570,253 |
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Total NonInterest Income | 2,755 |
| Total Bank Equity Capital | 159,132 |
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Total Interest Expense | 19,264 |
| Total Deposits | 1,510,749 |
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Total NonInterest Expense | 15,079 |
| Net Loans & Leases | 1,337,422 |
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Net Income | 9,054 |
| Loan Loss Allowance | 15,393 |
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Net Charge Offs | 6,286 |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Total capital | 183,607 |
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Total loans | 1,342,670 |
| Total assets for the leverage ratio | 1,757,191 |
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Loans secured by real estate: | 867,876 |
| Tier 1 Leverage Ratio | 9.55 |
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Commercial and industrial loans | 468,084 |
| Tier 1 Capital Ratio | 10.86 |
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Loans to individuals - Credit Cards | 0 |
| Total Capital Ratio | 11.87 |
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Loans to individuals - Other | 7,520 |
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:· Waterford Bank, N.A.
