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Waterford Bank, N.A.

$1B-$10B Specialty: Commercial OH FDIC cert 58433

Designations: ✓ Community bank

Toledo, OH

4 branches across MI · OH

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 28 in OH.
  • Deposits +3.5% year over year ($1.6B on the books).
  • Delinquency rate 0.69%.
  • Return on assets 1.29%.
  • Efficiency ratio 49.52% vs a 59.73% peer average.
  • Loan-to-deposit ratio 88.46% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 28 in OH
View $1B-$10B leaderboard (OH) →

Waterford Bank, N.A. has 2 strengths but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Efficiency Ratio 10.21% below tier average
  • + Delinquency Rate 0.18% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 31.1% in tier
  • - Capital Thin: Bottom 32.0% in tier
  • - ROA 0.10% below tier average
  • - Net Interest Margin 0.48% below tier average
Get updates when Waterford Bank, N.A. releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Total Assets ? $1.8B
+2.5% YoY +3.2% QoQ
-$1.0B $2.8B
-0.6% YoY
$36.7B
+9.4% YoY
$6.3B
+7.7% YoY
45%
Total Loans ? $1.4B
+3.4% YoY +4.4% QoQ
-$579.8M $2.0B
-0.3% YoY
$16.2B
+12.1% YoY
$3.2B
+9.4% YoY
50%
Total Deposits ? $1.6B
+3.5% YoY +4.4% QoQ
-$755.0M $2.3B
-0.5% YoY
$26.4B
+7.6% YoY
$4.9B
+7.3% YoY
47%
Return on Assets ? 1.29%
+22.7% YoY +3.7% QoQ
-0.10% 1.39%
+17.0% YoY
1.21%
+9.4% YoY
1.30%
+12.1% YoY
53%
Net Interest Margin ? 3.39%
+10.3% YoY +3.2% QoQ
-0.48% 3.87%
+6.2% YoY
3.65%
+6.4% YoY
3.95%
+4.9% YoY
30%
Efficiency Ratio ? 49.52%
-7.4% YoY -4.7% QoQ
-10.21% 59.73%
-12.6% YoY
70.70%
-3.8% YoY
70.05%
+2.5% YoY
78%
Delinquency Rate ? 0.69%
+98.0% YoY -36.4% QoQ
-0.18% 0.87%
+11.7% YoY
0.68%
+23.3% YoY
0.98%
+16.3% YoY
39%
Loan-to-Deposit Ratio ? 88.46%
-0.1% YoY -0.0% QoQ
+3.43% 85.04%
-0.1% YoY
79.88%
+0.7% YoY
79.03%
+2.3% YoY
47%
Non-Interest-Bearing Deposit Share ? 17.38%
-5.1% YoY +6.8% QoQ
-3.90% 21.27%
-1.5% YoY
18.59%
+0.9% YoY
21.98%
-0.6% YoY
36%
Nonperforming Asset Ratio ? 0.54%
+99.9% YoY -35.6% QoQ
-0.13% 0.67%
+11.7% YoY
0.46%
+23.9% YoY
0.69%
+15.8% YoY
41%
Tier 1 Capital Ratio ? 11.43%
+5.3% YoY -2.3% QoQ
-3.41% 14.84%
-0.4% YoY
18.68%
-0.2% YoY
17.09%
+0.8% YoY
25%
Non-Interest Income / Assets ? 0.14%
-11.2% YoY +94.9% QoQ
-0.39% 0.53%
+2.5% YoY
1.22%
+2.7% YoY
0.66%
+5.2% YoY
17%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Noninterest-Bearing 17.4%
-0.9pp YoY
+1.1pp QoQ
 -4.0pp 21.4% 18.8% 22.2% 36%
Brokered Deposits 18.4%
+0.2pp YoY
+0.5pp QoQ
 +8.9pp 9.5% 7.7% 8.5% 88%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
C&I 33.7%
+1.8pp YoY
0.0pp QoQ
 +19.7pp 14.0% 10.2% 12.5% 93%
CRE 58.6%
-1.3pp YoY
+0.6pp QoQ
 +8.6pp 50.0% 34.2% 41.4% 73%
1-4 Family 5.2%
-0.1pp YoY
-0.2pp QoQ
 -21.2pp 26.4% 50.0% 31.3% 7%
Consumer 0.5%
-0.1pp YoY
0.0pp QoQ
 -4.3pp 4.7% 4.7% 5.0% 30%

Capital

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
CET1 Ratio 11.4%
+0.6pp YoY
-0.3pp QoQ
 -4.2pp 15.6% 22.1% 19.7% 16%
Leverage Ratio 10.4%
+0.9pp YoY
+0.1pp QoQ
 -0.9pp 11.3% 12.9% 12.6% 49%
Total Capital Ratio 12.6%
+0.7pp YoY
-0.2pp QoQ
 -4.1pp 16.7% 23.2% 20.8% 16%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Full-Time Employees 108
+7 (+6.9%) YoY
+7 (+6.9%) QoQ
 -206 313 2,433 482 10%
Assets per Employee ($) $16.4M
-4.2% YoY
-3.5% QoQ
 +$5.9M $10.5M $7.6M $8.8M 92%
Branch Count 4
0 YoY
0 QoQ
 -16 20 81 18 10%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp QoQ
 -0.2pp 0.2% 0.2% 0.4% 18%
Nonaccrual 0.7%
+0.3pp YoY
-0.4pp QoQ
 -0.1pp 0.8% 0.6% 1.0% 62%
Allowance Coverage 1.95x
-41.0% YoY
+64.7% QoQ
 -16.76x 18.71x 18.95x 20.23x 48%
Net Charge-off Rate (YTD) -0.1%
-1.0pp YoY
-0.1pp QoQ
 -0.3pp 0.3% 0.1% 0.2% 1%

Profitability

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
ROE 12.7%
+0.8pp YoY
+0.5pp QoQ
 +0.1pp 12.6% 9.7% 11.6% 53%
Cost of Funds (YTD) 2.1%
-0.2pp YoY
0.0pp QoQ
 +0.2pp 1.9% 1.7% 1.7% 65%
Net Income ($, YTD) $11.1M
+23.0% YoY
— QoQ
 -$8.1M $19.2M $259.3M $40.4M 44%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Credit Risk Growth

risk
#126 of 402 • Bottom 31.1% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

402 of 402 Mid-Market banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank improving

Capital Thin

risk
#72 of 222 • Bottom 32.0% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 11.43%
(Tier: 14.84%, National: 17.09%)
worse than tier avg
222 of 222 Mid-Market banks match · 923 nationally
→ Stable

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 885 peers in $1B-$10B

Top Strengths (1 metrics)

195
Efficiency Ratio
profitability
Value: 49.52%
Peer Median: 59.73%
#195 of 885 Top 21.9% in $1B-$10B

Top Weaknesses (2 metrics)

737
Non-Interest Income / Assets
revenue_mix
Value: 0.14%
Peer Median: 0.53%
#737 of 885 Bottom 16.8% in $1B-$10B
668
Tier 1 Capital Ratio
capital
Value: 11.43%
Peer Median: 14.84%
#668 of 885 Bottom 24.6% in $1B-$10B
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