|
 |
|
|
 Waterford Bank, N.A.
Waterford Bank, N.A.
| RSSD ID 3588424 | CERTIFICATE 58433 | ABA NUMBER 41215854 |
| 3900 N Mccord Rd |
Quarter Ended : |
2025-09-30 |
| Toledo, Ohio, 43617 |
Updated : |
2025-10-30 |
| www.waterfordbankna.com |
|
| Institution Profile |
| Year Opened : |
2007 |
Institution Type : |
Commercial bank |
| Entity Type : |
Federal |
Federal Regulator : |
OCC |
| Member Federal Reserve : |
Yes |
S-Corp : |
No |
| Fiduciary Powers : |
No |
Powers Exercised : |
No |
| Filing Type : |
051 |
|
| Specialization : |
Commercial Lending Specialization |
| Number of Offices : |
4 |
Number of Employees : |
101 |
|
|
|
|
|
|
| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
|
Income Statement
(USD, in thousands, ytd) |
| Total Assets | 1,758,409 |
|
Total Interest Income | 68,453 |
| Total Liabilities | 1,592,362 |
|
Total NonInterest Income | 3,975 |
| Total Bank Equity Capital | 166,047 |
|
Total Interest Expense | 29,226 |
| Total Deposits | 1,546,374 |
|
Total NonInterest Expense | 22,813 |
| Net Loans & Leases | 1,366,585 |
|
Net Income | 14,689 |
| Loan Loss Allowance | 16,139 |
|
Net Charge Offs | 6,017 |
|
|
|
| Regulatory Capital |
|
Quarterly Averages
(USD, in thousands) |
| Total capital | 188,711 |
|
Total loans | 1,379,423 |
| Total assets for the leverage ratio | 1,794,384 |
|
Loans secured by real estate: | 883,547 |
| Tier 1 Leverage Ratio | 9.6 |
|
Commercial and industrial loans | 489,278 |
| Tier 1 Capital Ratio | 10.98 |
|
Loans to individuals - Credit Cards | 0 |
| Total Capital Ratio | 12.03 |
|
Loans to individuals - Other | 7,104 |
|
|
|
|
:· Waterford Bank, N.A.
