The Waterford Commercial and Savings Bank
Waterford, OH · Owner: 2012 Waterford Coml & SVG BK Shareholders Voting TR
$60.0M
total assets, June 30, 2026
$60.0M
total assets, June 30, 2026
The Waterford Commercial and Savings Bank is a state nonmember bank based in Waterford, OH, owned by 2012 Waterford Coml & SVG BK Shareholders Voting TR. As of June 30, 2026 it held $60.0 million in assets and $52.1 million in deposits; assets were up 0.5% from a year before. It has 2 branches.
Updated Oct 11, 2026 · numbers as of June 30, 2026
Total assets
$60.0M
+0.5% in a year · +10.3% in a quarter
Deposits
$52.1M
-0.3% in a year · +11.9% in a quarter
Loans
$41.1M
+10.3% in a year · +4.3% in a quarter
Profit so far
$226K
Jan 1 to Jun 30, 2026 · -12.7% in a year
Capital ratio
13.60%
+0.63 pts in a year
Return on assets
0.80%
-0.10 pts in a year
Facts
- Type
- State nonmember bank
- Head office
- 20115 State Route 339, Waterford, OH, 45786
- County
- Washington
- Holding company
- 2012 Waterford Coml & SVG BK Shareholders Voting TR
- Established
- Jan 1, 1908
- Employees
- 15
- Branches
- 2
- Website
- www.waterfordbank.com
- Id
- b8397
Quarter by quarter
March 31, 1984 to June 30, 2026
Assets, deposits and loans
Each quarter end, US dollars
Profit by quarter
Net income of each quarter, the last 12
Ratios
Percent. Return on assets and net interest margin are yearly rates.
Branches
2 offices as of June 30, 2026, holding $52.1 million in deposits
Branch map
Every branch, sized by its deposits
| State | Branches | Deposits | Share |
|---|---|---|---|
| Ohio | 2 | $52.1M | 100.0% |
| Largest branches | Place | Deposits |
|---|---|---|
| The Waterford Commercial And Savings Bank (main office) | Waterford, OH | $43.7M |
| Crooksville Branch | Crooksville, OH | $8.4M |
Related pages
Questions and answers
How big is The Waterford Commercial and Savings Bank?
$60.0 million in total assets and $52.1 million in deposits as of June 30, 2026, with assets up 0.5% from a year before. Its loans were $41.1 million.
How many branches does The Waterford Commercial and Savings Bank have?
2 branches in Ohio as of June 30, 2026.
Is The Waterford Commercial and Savings Bank profitable?
Yes: it earned $226,000 from January 1 to June 30, 2026 (down 12.7% from the same months a year before). Its return on assets was 0.80% a year; about 1% is typical.
Who owns The Waterford Commercial and Savings Bank?
The Waterford Commercial and Savings Bank is owned by 2012 Waterford Coml & SVG BK Shareholders Voting TR, its holding company.
Official public data from the reports every insured bank files each quarter. Profit so far runs from January 1 to the quarter end. Branch deposits are counted once a year, as of June 30. New quarters appear about two months after the quarter ends.