B
The Waterford Commercial and Savings Bank
Rating Date
June 2025
Risk Based
Capital Ratio
--
Leverage
Ratio
13.50
Return On
Assets
0.92%
Total
Assets
56.73M
Capital
6.99M
Total
Deposits
49.48M
Net
Income
129.00K
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Weiss Ratings The Waterford Commercial and Savings Bank
Waterford, OH 		Click to
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Rating B
Asset Quality Index 8.60
Capitalization Index 10.00
Liquidity Index 2.80
Profitability Index 3.70
Stability Index 6.40
Company Info The Waterford Commercial and Savings Bank
Waterford, OH 		Click to
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FDIC Number 8397
Phone Number (740) 984-2357
Website www.waterfordbank.com
Asset Quality The Waterford Commercial and Savings Bank
Waterford, OH 		Click to
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1-Year Asset Growth -1.64%
5-Year Asset Growth 5.32%
5-Year Charge-Offs to Average Loans 0.02%
Charge-Offs to Average Loans 0.01%
Non-Performing Assets to Assets 0.00%
Non-Performing Loans to Capital 0.79%
Non-Performing Loans to Loans 0.00%
Balance Sheet The Waterford Commercial and Savings Bank
Waterford, OH 		Click to
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Total Assets 56.73M
Total Deposits 49.48M
Capital and Reserves The Waterford Commercial and Savings Bank
Waterford, OH 		Click to
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Capital 6.99M
Leverage Ratio 13.50
Loan Loss Reserves to Loans 0.97%
Risk-Based Capital Ratio --
Liquidity The Waterford Commercial and Savings Bank
Waterford, OH 		Click to
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Hot Money Ratio 14.55%
Liquidity Ratio 17.70%
Profitability The Waterford Commercial and Savings Bank
Waterford, OH 		Click to
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5-Year Return on Average Assets 0.60%
Net Income 129.00K
Net Interest Spread 3.85%
Operating Profit to Average Assets 1.15%
Overhead Efficiency Ratio 74.42%
Return on Assets 0.92%
Return on Equity 7.51%