| Weiss Ratings |
Waterford Bank, NA
Toledo, OH |
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| Rating | ||||
| Asset Quality Index | 5.10 | |||
| Capitalization Index | 7.90 | |||
| Liquidity Index | 2.10 | |||
| Profitability Index | 5.10 | |||
| Stability Index | 6.90 | |||
| Company Info |
Waterford Bank, NA
Toledo, OH |
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| FDIC Number | 58433 | |||
| Phone Number | (419) 720-3900 | |||
| Website | www.waterfordbankna.com | |||
| Asset Quality |
Waterford Bank, NA
Toledo, OH |
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| 1-Year Asset Growth | -0.37% | |||
| 5-Year Asset Growth | 23.71% | |||
| 5-Year Charge-Offs to Average Loans | 0.06% | |||
| Charge-Offs to Average Loans | 0.59% | |||
| Non-Performing Assets to Assets | 0.38% | |||
| Non-Performing Loans to Capital | 3.50% | |||
| Non-Performing Loans to Loans | 0.48% | |||
| Balance Sheet |
Waterford Bank, NA
Toledo, OH |
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| Total Assets | 1.76B | |||
| Total Deposits | 1.55B | |||
| Capital and Reserves |
Waterford Bank, NA
Toledo, OH |
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| Capital | 166.05M | |||
| Leverage Ratio | 9.60 | |||
| Loan Loss Reserves to Loans | 1.17% | |||
| Risk-Based Capital Ratio | 12.03 | |||
| Liquidity |
Waterford Bank, NA
Toledo, OH |
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| Hot Money Ratio | 21.97% | |||
| Liquidity Ratio | 10.87% | |||
| Profitability |
Waterford Bank, NA
Toledo, OH |
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| 5-Year Return on Average Assets | 0.97% | |||
| Net Income | 14.69M | |||
| Net Interest Spread | 3.04% | |||
| Operating Profit to Average Assets | 1.36% | |||
| Overhead Efficiency Ratio | 52.81% | |||
| Return on Assets | 1.10% | |||
| Return on Equity | 12.56% | |||