BlastPoint's Banking Scorecard

The Waterford Commercial and Savings Bank

under $100M Specialty: Consumer OH FDIC cert 8397

Designations: ✓ Community bank

Waterford, OH

2 branches across OH

541 banks in the under $100M peer group nationally 23 in OH

The Waterford Commercial and Savings Bank has 3 strengths but faces 1 concern

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

+ Net Interest Margin 0.69% above tier average
+ Efficiency Ratio 9.10% below tier average
+ Delinquency Rate 1.09% below tier average

Key Concerns

Areas that may need attention

- ROA 0.15% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Total Assets ?	$54.4M -4.1% YoY -3.1% QoQ	-$7.8M	$62.2M -0.6% YoY	$35.8B +10.6% YoY	$6.2B +9.1% YoY	37%
Total Loans ?	$39.1M +9.5% YoY +1.0% QoQ	+$4.8M	$34.2M -1.4% YoY	$15.7B +12.8% YoY	$3.2B +10.8% YoY	61%
Total Deposits ?	$46.6M -5.8% YoY -3.6% QoQ	-$5.2M	$51.7M -0.7% YoY	$25.9B +8.5% YoY	$4.8B +8.2% YoY	39%
Return on Assets ?	0.68% -25.4% YoY -19.0% QoQ	-0.15%	0.84% -2.3% YoY	1.12% +9.9% YoY	1.23% +13.4% YoY	37%
Net Interest Margin ?	4.55% +15.1% YoY +4.7% QoQ	+0.69%	3.86% +2.8% YoY	3.58% +7.5% YoY	3.89% +5.7% YoY	78%
Efficiency Ratio ?	79.24% +6.5% YoY +1.9% QoQ	-9.10%	88.34% +0.3% YoY	72.65% -4.0% YoY	66.95% -4.1% YoY	36%
Delinquency Rate ?	0.29% +62.3% YoY	-1.09%	1.37% +33.8% YoY	0.65% +14.5% YoY	0.95% +18.8% YoY	54%
Loan-to-Deposit Ratio ?	83.86% +16.3% YoY +4.8% QoQ	+19.64%	64.22% -0.7% YoY	79.14% +0.8% YoY	76.70% +0.9% YoY	22%
Non-Interest-Bearing Deposit Share ?	25.62% -6.7% YoY -2.7% QoQ	+1.91%	23.71% +0.3% YoY	18.08% -0.4% YoY	22.01% -1.2% YoY	58%
Nonperforming Asset Ratio ?	0.21% +85.4% YoY	-0.58%	0.79% +28.2% YoY	0.44% +14.5% YoY	0.67% +19.3% YoY	52%
Tier 1 Capital Ratio ?	14.18% +5.0% YoY +9.0% QoQ	-12.50%	26.68% +2.0% YoY	19.44% +3.1% YoY	17.06% +0.8% YoY	41%
Non-Interest Income / Assets ?	0.15% +3.1% YoY -74.9% QoQ	-0.51%	0.67% +1.9% YoY	0.57% -2.4% YoY	0.32% +4.1% YoY	Top 14.4% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 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 (0)

No matched concern signatures this quarter

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).

Compare against:

Comparing against 541 peers in under $100M

Top Strengths (2 metrics)

Non-Interest Income / Assets

revenue_mix

Value: 0.15%

Peer Median: 0.67%

#79 of 541 Top 14.4% in under $100M

121

Net Interest Margin

profitability

Value: 4.55%

Peer Median: 3.86%

#121 of 541 Top 22.2% in under $100M

Top Weaknesses (1 metrics)

425

Loan-to-Deposit Ratio

liquidity

Value: 83.86%

Peer Median: 64.22%

#425 of 541 Bottom 21.6% in under $100M