Waterford Bank, N.A. Reviews and Rates

Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

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Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.31%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

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Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

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Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

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Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

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Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.waterfordbankna.com

419-720-3900

3900 N. Mccord Rd
Toledo, OH 43617

Waterford Bank, N.A. is headquartered in TOLEDO and is the 20^th largest bank in the state of Ohio. It is also the 662^nd largest bank in the nation. It was established in 2007 and as of March of 2025, it had grown to 97 employees at 4 locations. Waterford Bank, N.A. has a B+ health rating.

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Health

B+

Data as of Q1 2025

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Health Grade Components

Overall
FDIC Certificate #	58433
Year Established	2007
Employees	97
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	0.94%
Return on Equity - YTD	10.9%
Annual Interest Income	$21.8MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$1.77B$1.74B
Loans	Q1 2025vs Q1 2024	$1.31B$1.31B
Deposits	Q1 2025vs Q1 2024	$1.57B$1.53B
Equity Capital	Q1 2025vs Q1 2024	$152.6MM$139.9MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$14.6MM$14.8MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$5.1MM$0
Real Estate Owned	Q1 2025vs Q1 2024	$0$300K

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.31%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

Sorry, we do not have rate data for Waterford Bank, N.A..

Locations

Waterford Bank, N.A. Locations
Perrysburg Branch Office	231 Louisiana Avenue	Perrysburg, OH 43551
Waterford Bank, N.A.	3900 N Mccord Rd	Toledo, OH 43617
Waterford Bank, Clarkston, Mi	5800 South Main Street	Clarkston, MI 48346
Troy Branch Office	5600 New King Drive	Troy, MI 48098

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