Overview / Commentary
20115 State Route 339
Waterford, OH 45786

The Waterford Commercial and Savings Bank is headquartered in Waterford and is the 173rd largest bank in the state of Ohio. It is also the 5,058th largest bank in the nation. It was established in 1908 and as of September of 2018, it had grown to 15 employees at 2 locations. The Waterford Commercial and Savings Bank has a B+ health rating.


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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

FDIC Certificate #8397
Year Established1908
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.93%
Return on Equity - YTD7.3%
Annual Interest Income$1.3MM
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$46.1MM$45.4MM
LoansQ3 2018vs Q3 2017$25.6MM$21.8MM
DepositsQ3 2018vs Q3 2017$40.3MM$39.5MM
Equity CapitalQ3 2018vs Q3 2017$5.7MM$5.7MM
Loan Loss AllowanceQ3 2018vs Q3 2017$115.00K$98.00K
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$2.00K$0
Real Estate OwnedQ3 2018vs Q3 2017$0$0

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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

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