Featured Savings Rates
Featured Accounts

The Waterford Commercial and Savings Bank

Popular Accounts at this Bank

APYACCOUNT TYPEACCOUNT NAME
0.35%1-year CD12 Month CD
0.10%SavingsSavings Account
0.85%4-year CD48 Month CD

Overview / Commentary
740-984-2357
20115 State Route 339
Waterford, OH 45786

The Waterford Commercial and Savings Bank is headquartered in Waterford and is the 183rd largest bank in the state of Ohio. It is also the 5,473rd largest bank in the nation. It was established in 1908 and as of March of 2017, it had grown to 13 employees at 2 locations. The Waterford Commercial and Savings Bank has a B health rating.

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Health
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. The Waterford Commercial and Savings Bank has a low asset base.

Health Grade Components

Overall
FDIC Certificate #8397
Year Established1908
Employees13
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.83%
Return on Equity - YTD6.47%
Annual Interest Income$397.00K
Assets and Liabilities
AssetsQ1 2017vs Q1 2016$41.4MM$43.5MM
LoansQ1 2017vs Q1 2016$20.0MM$18.9MM
DepositsQ1 2017vs Q1 2016$35.8MM$37.7MM
Equity CapitalQ1 2017vs Q1 2016$5.5MM$5.5MM
Loan Loss AllowanceQ1 2017vs Q1 2016$118.00K$110.00K
Unbacked Noncurrent LoansQ1 2017vs Q1 2016$27.00K$131.00K
Real Estate OwnedQ1 2017vs Q1 2016$0$38.00K
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

The Waterford Commercial and Savings Bank Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%--Savings Account

The Waterford Commercial and Savings Bank Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%$1k-NOW Account
0.10%$1k-Commercial NOW Account

The Waterford Commercial and Savings Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.85%*$50k*-48 Month CD
OTHER TIERS: 0.65% $1k - $2,500 | 0.70% $2,500 - $10k | 0.75% $10k - $25k | 0.80% $25k - $50k
0.65%*$50k*-36 Month CD
OTHER TIERS: 0.45% $1k - $2,500 | 0.50% $2,500 - $10k | 0.55% $10k - $25k | 0.60% $25k - $50k
0.55%*$50k*-30 Month CD
OTHER TIERS: 0.35% $1k - $2,500 | 0.40% $2,500 - $10k | 0.45% $10k - $25k | 0.50% $25k - $50k
0.50%*$50k*-24 Month CD
OTHER TIERS: 0.30% $1k - $2,500 | 0.35% $2,500 - $10k | 0.40% $10k - $25k | 0.45% $25k - $50k
0.40%*$50k*-18 Month CD
OTHER TIERS: 0.20% $1k - $2,500 | 0.25% $2,500 - $10k | 0.30% $10k - $25k | 0.35% $25k - $50k
0.35%*$50k*-12 Month CD
OTHER TIERS: 0.15% $1k - $2,500 | 0.20% $2,500 - $10k | 0.25% $10k - $25k | 0.30% $25k - $50k
0.25%*$50k*-6 Month CD
OTHER TIERS: 0.05% $1k - $2,500 | 0.10% $2,500 - $10k | 0.15% $10k - $25k | 0.20% $25k - $50k
0.20%*$50k*-91 Day CD
OTHER TIERS: 0.05% $1k - $10k | 0.10% $10k - $25k | 0.15% $25k - $50k
0.20%$5k-9 Month CD

The Waterford Commercial and Savings Bank IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.85%*$50k*-48 Month IRA
OTHER TIERS: 0.65% $1k - $2,500 | 0.70% $2,500 - $10k | 0.75% $10k - $25k | 0.80% $25k - $50k
0.65%*$50k*-36 Month IRA
OTHER TIERS: 0.45% $1k - $2,500 | 0.50% $2,500 - $10k | 0.55% $10k - $25k | 0.60% $25k - $50k
0.40%*$50k*-18 Month IRA
OTHER TIERS: 0.20% $1k - $2,500 | 0.25% $2,500 - $10k | 0.30% $10k - $25k | 0.35% $25k - $50k
Locations


The Waterford Commercial and Savings Bank Locations
The Waterford Commercial and Savings Bank20115 State Route 339Waterford, OH 45786
Crooksville Branch250 West Main StreetCrooksville, OH 43731