C
The Waterford Commercial and Savings Bank
Rating Date
August 2026
Risk Based
Capital Ratio
--
Leverage
Ratio
13.60
Return On
Assets
0.79%
Total
Assets
60.02M
Capital
7.67M
Total
Deposits
52.13M
Net
Income
226.00K
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Weiss Ratings The Waterford Commercial and Savings Bank
Waterford, OH 		Click to
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Rating C
Asset Quality Index 8.40
Capitalization Index 10.00
Liquidity Index 2.60
Profitability Index 3.50
Stability Index 6.80
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 0.51%
5-Year Asset Growth 0.71%
5-Year Charge-Offs to Average Loans 0.02%
Charge-Offs to Average Loans -0.13%
Non-Performing Assets to Assets 0.00%
Non-Performing Loans to Capital 0.43%
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 60.02M
Total Deposits 52.13M
Capital and Reserves The Waterford Commercial and Savings Bank
Waterford, OH 		Click to
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Capital 7.67M
Leverage Ratio 13.60
Loan Loss Reserves to Loans 0.91%
Risk-Based Capital Ratio --
Liquidity The Waterford Commercial and Savings Bank
Waterford, OH 		Click to
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Hot Money Ratio 19.80%
Liquidity Ratio 25.57%
Profitability The Waterford Commercial and Savings Bank
Waterford, OH 		Click to
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5-Year Return on Average Assets 0.62%
Net Income 226.00K
Net Interest Spread 4.44%
Operating Profit to Average Assets 0.99%
Overhead Efficiency Ratio 78.80%
Return on Assets 0.79%
Return on Equity 5.97%