| Metric | Waterford Bank, N.A. | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.5% | +5.5% | -3.0 pts |
| Deposit growth (YoY) | +3.5% | +5.1% | -1.5 pts |
| Loan growth (YoY) | +3.4% | +5.9% | -2.5 pts |
| ROA | 1.29% | 1.26% | +0.0 pts |
| ROE | 12.7% | 12.2% | +0.5 pts |
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.77B | $1.56B | $1.38B | $179.4M | $11.1M | 1.29% | 3.39% | 0.54% |
| Q1 2026 | $1.72B | $1.50B | $1.32B | $175.5M | $5.3M | 1.24% | 3.29% | 0.84% |
| Q4 2025 | $1.71B | $1.49B | $1.33B | $172.3M | $19.0M | 1.10% | 3.24% | 0.49% |
| Q3 2025 | $1.76B | $1.55B | $1.37B | $166.0M | $14.7M | 1.13% | 3.16% | 0.38% |
| Q2 2025 | $1.73B | $1.51B | $1.34B | $159.1M | $9.1M | 1.05% | 3.07% | 0.27% |
| Q1 2025 | $1.77B | $1.57B | $1.31B | $152.6M | $4.1M | 0.94% | 2.97% | 0.29% |
| Q4 2024 | $1.69B | $1.50B | $1.29B | $146.2M | $12.5M | 0.72% | 2.80% | 0.84% |
| Q3 2024 | $1.77B | $1.54B | $1.31B | $154.0M | $11.4M | 0.87% | 2.70% | 0.01% |
Loan mix (Q2 2026): real estate $884.6M · commercial $466.6M · consumer $6.2M · securities $269.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Waterford Bank, N.A. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.29% | 1.26% | 53rd | |
Return on equity Annualized net income ÷ equity or net worth | 12.7% | 12.2% | 53rd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.39% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 49.5% | 59.0% | 22nd |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Waterford Bank, N.A. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Waterford Bank, N.A. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Waterford Bank, N.A. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Waterford Bank, N.A. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Waterford Bank, N.A. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
4 branches in 3 counties across 2 states (+0 vs 2024) · $1.51B branch deposits. Biggest market: Lucas, OH, ranked 4th with 9.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Lucas, OH | 1 | $1.19B | 9.35% | 4th |
| Oakland, MI | 2 | $268.1M | 0.30% | 22nd |
| Wood, OH | 1 | $51.1M | 1.57% | 13th |
Ohio: 34th with 0.21% · Michigan: 129th with 0.08% · Toledo metro: 4th, 7.15% · Detroit-Warren-Dearborn metro: 44th, 0.14% ·
Branch count: 2022 4 · 2023 4 · 2024 4 · 2025 4