BlastPoint's Banking Scorecard
The Waterford Commercial and Savings Bank
Designations: ✓ Community bank
Waterford, OH
2 branches across 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 536 banks in the under $100M peer group nationwide — 1 of 24 in OH.
- Deposits -0.3% year over year ($52.1M on the books).
- Delinquency rate 0.09%.
- Return on assets 0.80%.
- Efficiency ratio 78.80% vs a 119.40% peer average.
- Loan-to-deposit ratio 78.17% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The Waterford Commercial and Savings Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.66% above tier average
- + Efficiency Ratio 40.59% below tier average
- + Delinquency Rate 1.39% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.20% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$60.0M
+0.5% YoY
+10.3% QoQ
|
-$2.4M |
$62.4M
-0.0% YoY
|
$36.7B
+9.4% YoY
|
$6.3B
+7.7% YoY
|
45% |
| Total Loans ? |
$40.8M
+10.4% YoY
+4.3% QoQ
|
+$5.9M |
$34.9M
-0.6% YoY
|
$16.2B
+12.1% YoY
|
$3.2B
+9.4% YoY
|
63% |
| Total Deposits ? |
$52.1M
-0.3% YoY
+11.9% QoQ
|
+$504K |
$51.6M
-0.2% YoY
|
$26.4B
+7.6% YoY
|
$4.9B
+7.3% YoY
|
48% |
| Return on Assets ? |
0.80%
-11.6% YoY
+16.9% QoQ
|
-0.20% |
1.00%
+3.5% YoY
|
1.21%
+9.4% YoY
|
1.30%
+12.1% YoY
|
40% |
| Net Interest Margin ? |
4.57%
+11.1% YoY
+0.6% QoQ
|
+0.66% |
3.91%
+2.3% YoY
|
3.65%
+6.4% YoY
|
3.95%
+4.9% YoY
|
76% |
| Efficiency Ratio ? |
78.80%
+4.8% YoY
-0.6% QoQ
|
-40.59% |
119.40%
+49.6% YoY
|
70.70%
-3.8% YoY
|
70.05%
+2.5% YoY
|
34% |
| Delinquency Rate ? |
0.09%
-18.5% YoY
-69.2% QoQ
|
-1.39% |
1.48%
+31.8% YoY
|
0.68%
+23.3% YoY
|
0.98%
+16.3% YoY
|
66% |
| Loan-to-Deposit Ratio ? |
78.17%
+10.7% YoY
-6.8% QoQ
|
+3.96% |
74.21%
+12.6% YoY
|
79.88%
+0.7% YoY
|
79.03%
+2.3% YoY
|
32% |
| Non-Interest-Bearing Deposit Share ? |
25.00%
-6.8% YoY
-2.4% QoQ
|
+1.51% |
23.49%
+0.6% YoY
|
18.59%
+0.9% YoY
|
21.98%
-0.6% YoY
|
57% |
| Nonperforming Asset Ratio ? |
0.06%
-10.5% YoY
-70.9% QoQ
|
-0.78% |
0.84%
+23.0% YoY
|
0.46%
+23.9% YoY
|
0.69%
+15.8% YoY
|
64% |
| Tier 1 Capital Ratio ? |
13.60%
+4.9% YoY
-4.1% QoQ
|
-13.53% |
27.13%
+3.0% YoY
|
18.68%
-0.2% YoY
|
17.09%
+0.8% YoY
|
37% |
| Non-Interest Income / Assets ? |
0.29%
+1.8% YoY
+86.7% QoQ
|
-1.09% |
1.38%
+6.3% YoY
|
1.22%
+2.7% YoY
|
0.66%
+5.2% YoY
|
82% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
25.0%
-1.8pp YoY -0.6pp QoQ |
+0.4pp | 24.6% | 18.8% | 22.2% | 55% |
| Brokered Deposits | n/a | n/a | 9.8% | 7.7% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
2.9%
-0.6pp YoY -0.3pp QoQ |
-10.5pp | 13.4% | 10.2% | 12.5% | 9% |
| CRE | n/a | n/a | 25.2% | 34.2% | 41.4% | n/a |
| 1-4 Family |
58.8%
+0.3pp YoY -0.4pp QoQ |
+23.8pp | 35.0% | 50.0% | 31.3% | 80% |
| Consumer |
14.8%
+0.8pp YoY +1.1pp QoQ |
+7.1pp | 7.7% | 4.7% | 5.0% | 88% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 22.1% | 19.7% | n/a |
| Leverage Ratio |
13.6%
+0.6pp YoY -0.6pp QoQ |
-4.1pp | 17.7% | 12.9% | 12.6% | 59% |
| Total Capital Ratio | n/a | n/a | 39.7% | 23.2% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
15
+1 (+7.1%) YoY +1 (+7.1%) QoQ |
+3 | 12 | 2,433 | 482 | 73% |
| Assets per Employee ($) |
$4.0M
-6.2% YoY +3.0% QoQ |
-$2.2M | $6.2M | $7.6M | $8.8M | 20% |
| Branch Count |
2
0 YoY 0 QoQ |
+0 | 1 | 81 | 18 | 63% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.1%
0.0pp YoY -0.2pp QoQ |
-0.9pp | 1.0% | 0.2% | 0.4% | 24% |
| Nonaccrual | n/a | n/a | 1.7% | 0.6% | 1.0% | n/a |
| Allowance Coverage |
10.42x
+19.0% YoY +211.1% QoQ |
+4.01x | 6.41x | 18.95x | 20.23x | 88% |
| Net Charge-off Rate (YTD) |
-0.1%
-0.1pp YoY +0.1pp QoQ |
-0.3pp | 0.2% | 0.1% | 0.2% | 8% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
6.0%
-1.5pp YoY +1.0pp QoQ |
-0.4pp | 6.4% | 9.7% | 11.6% | 37% |
| Cost of Funds (YTD) |
1.3%
+0.2pp YoY 0.0pp QoQ |
-0.2pp | 1.4% | 1.7% | 1.7% | 42% |
| Net Income ($, YTD) |
$226,000
-12.7% YoY — QoQ |
-$92K | $317,817 | $259.3M | $40.4M | 41% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.