Waterford Bank, N.A.: how it compares with its peers
Against 24 OH banks with half to twice its assets, Waterford Bank, N.A.'s strongest measure in Q2 2026 is assets per employee ($16.4M vs. a $7.2M peer median). Its weakest relative measure is net interest margin (3.39% vs. 3.70%).
| Measure | Waterford Bank, N.A. | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.29% | 1.18% | Top third Ahead of 67% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.39% | 3.70% | Bottom third Ahead of 29% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 49.52% | 60.08% | Top third Ahead of 75% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $16.4M | $7.2M | Top third Ahead of 96% of peers |
| Loans to deposits Net loans and leases over total deposits. | 88.46% | 84.18% | Context |
What it means for lending operations
Its efficiency ratio of 49.52% is better than the 60.08% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Sutton Bank Attica, OH · $1.74B
- The Ohio Valley Bank Company Gallipolis, OH · $1.65B
- The State Bank and Trust Company Defiance, OH · $1.61B
- THE VINTON COUNTY NATIONAL BANK Mcarthur, OH · $1.59B
- Main Street Bank Corp. Wooster, OH · $1.55B
- The Union Bank Company Columbus Grove, OH · $1.44B
Questions about Waterford Bank, N.A.
How big is Waterford Bank, N.A.?
Waterford Bank, N.A., established in 2007, is headquartered in Toledo, OH. It reported $1.77B in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is Waterford Bank, N.A.'s return on assets?
1.29% annualized in Q2 2026, against a 1.18% median for 24 OH banks with half to twice its assets, ahead of 67% of them.
What is Waterford Bank, N.A.'s efficiency ratio?
49.52% in Q2 2026: it spent about 50 cents in noninterest expense for each dollar of revenue. The peer median is 60.08%, and lower is better.
Is Waterford Bank, N.A. growing its loans?
Net loans grew 3.4% over the year to Q2 2026, while deposits grew 3.5%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are OH banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Ohio bank ranked.