B
The Waterford Commercial and Savings Bank
Rating Date
October 2025
Risk Based
Capital Ratio
--
Leverage
Ratio
12.96
Return On
Assets
0.90%
Total
Assets
59.72M
Capital
7.18M
Total
Deposits
52.28M
Net
Income
259.00K
My Lists My Alerts
Weiss Ratings The Waterford Commercial and Savings Bank
Waterford, OH 		Click to
Compare		 Click to
Compare		 Click to
Compare
Rating B
Asset Quality Index 8.60
Capitalization Index 10.00
Liquidity Index 2.90
Profitability Index 4.20
Stability Index 6.40
Company Info The Waterford Commercial and Savings Bank
Waterford, OH 		Click to
Compare		 Click to
Compare		 Click to
Compare
FDIC Number 8397
Phone Number (740) 984-2357
Website www.waterfordbank.com
Asset Quality The Waterford Commercial and Savings Bank
Waterford, OH 		Click to
Compare		 Click to
Compare		 Click to
Compare
1-Year Asset Growth 3.15%
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 0.01%
Non-Performing Loans to Capital 0.50%
Non-Performing Loans to Loans 0.02%
Balance Sheet The Waterford Commercial and Savings Bank
Waterford, OH 		Click to
Compare		 Click to
Compare		 Click to
Compare
Total Assets 59.72M
Total Deposits 52.28M
Capital and Reserves The Waterford Commercial and Savings Bank
Waterford, OH 		Click to
Compare		 Click to
Compare		 Click to
Compare
Capital 7.18M
Leverage Ratio 12.96
Loan Loss Reserves to Loans 0.94%
Risk-Based Capital Ratio --
Liquidity The Waterford Commercial and Savings Bank
Waterford, OH 		Click to
Compare		 Click to
Compare		 Click to
Compare
Hot Money Ratio 14.18%
Liquidity Ratio 20.30%
Profitability The Waterford Commercial and Savings Bank
Waterford, OH 		Click to
Compare		 Click to
Compare		 Click to
Compare
5-Year Return on Average Assets 0.60%
Net Income 259.00K
Net Interest Spread 3.98%
Operating Profit to Average Assets 1.12%
Overhead Efficiency Ratio 75.16%
Return on Assets 0.90%
Return on Equity 7.42%