The Waterford Commercial and Savings Bank: how it compares with its peers
Against 32 OH banks with half to twice its assets, The Waterford Commercial and Savings Bank's strongest measure in Q2 2026 is net interest margin (4.57% vs. a 3.71% peer median). Its weakest relative measure is assets per employee ($4.0M vs. $5.4M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.80% | 0.69% | Middle third Ahead of 59% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.57% | 3.71% | Top third Ahead of 88% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 78.80% | 78.55% | Middle third Ahead of 47% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.0M | $5.4M | Bottom third Ahead of 19% of peers |
| Loans to deposits Net loans and leases over total deposits. | 78.17% | 76.17% | Context |
What it means for lending operations
Its efficiency ratio of 78.80% is above the 78.55% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- The Peoples Bank Gambier, OH · $60M
- Fortuna Bank Grandview Heights, OH · $57M
- Community First Bank, National Association Forest, OH · $56M
- Liberty Bank Ironton, OH · $56M
- The Pioneer Savings Bank Cleveland, OH · $55M
- The Union Banking Company West Mansfield, OH · $55M
Questions about The Waterford Commercial and Savings Bank
How big is The Waterford Commercial and Savings Bank?
The Waterford Commercial and Savings Bank, established in 1908, is headquartered in Waterford, OH. It reported $60M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is The Waterford Commercial and Savings Bank's return on assets?
0.80% annualized in Q2 2026, against a 0.69% median for 32 OH banks with half to twice its assets, ahead of 59% of them.
What is The Waterford Commercial and Savings Bank's efficiency ratio?
78.80% in Q2 2026: it spent about 79 cents in noninterest expense for each dollar of revenue. The peer median is 78.55%, and lower is better.
Is The Waterford Commercial and Savings Bank growing its loans?
Net loans grew 10.4% over the year to Q2 2026, while deposits shrank 0.3%.
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.