BlastPoint's Banking Scorecard
The Waterford Commercial and Savings Bank
Micro
Specialty: Consumer
OH
FDIC cert 8397
Designations: ✓ Community bank
Waterford, OH
2498
banks in Micro tier nationally
102 in OH
View Micro leaderboard (OH) →
The Waterford Commercial and Savings Bank demonstrates 2 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$56.1M
-0.4% YoY
-8.9% QoQ
|
-$161.4M |
$217.5M
+2.3% YoY
|
$33.1B
+6.9% YoY
|
$5.9B
+6.5% YoY
|
Bottom 9% in tier |
| Total Loans ? |
$38.7M
+8.6% YoY
+2.2% QoQ
|
-$100.5M |
$139.2M
+2.8% YoY
|
$14.9B
+8.3% YoY
|
$3.1B
+8.5% YoY
|
Bottom 14% in tier |
| Total Deposits ? |
$48.3M
+2.1% YoY
-10.3% QoQ
|
-$135.3M |
$183.7M
+1.8% YoY
|
$24.6B
+5.7% YoY
|
$4.7B
+6.3% YoY
|
Bottom 10% in tier |
| Return on Assets ? |
0.84%
+86.9% YoY
-8.6% QoQ
|
-0.24% |
1.08%
+14.7% YoY
|
0.85%
+32.0% YoY
|
1.12%
+15.6% YoY
|
36% |
| Net Interest Margin ? |
4.34%
+25.8% YoY
+3.3% QoQ
|
+0.49% |
3.85%
+6.6% YoY
|
3.56%
+10.4% YoY
|
3.75%
+7.1% YoY
|
74% |
| Efficiency Ratio ? |
77.78%
-9.8% YoY
+4.1% QoQ
|
+10.06% |
67.73%
-4.8% YoY
|
71.79%
-6.6% YoY
|
65.09%
-5.1% YoY
|
24% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.64% |
0.64%
+24.4% YoY
|
0.53%
+11.7% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
79.99%
+6.4% YoY
+13.9% QoQ
|
+5.46% |
74.53%
+0.5% YoY
|
81.05%
+0.1% YoY
|
78.04%
+0.7% YoY
|
58% |
| Non-Interest-Bearing Deposit Share ? |
26.34%
-7.7% YoY
+4.4% QoQ
|
+3.95% |
22.39%
-1.3% YoY
|
17.48%
-2.0% YoY
|
21.79%
-1.3% YoY
|
68% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.45% |
0.45%
+25.1% YoY
|
0.34%
+9.4% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
9.14%
+0.8% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.61%
+0.1% YoY
+49.1% QoQ
|
+0.05% |
0.56%
+0.3% YoY
|
0.55%
+0.1% YoY
|
0.65%
+0.6% YoY
|
78% |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
78
78th pctile
Non-Interest Income / Assets
Current: 0.61% · Tier avg: 0.56%
74
74th pctile
Net Interest Margin
Current: 4.34% · Tier avg: 3.85%
68
68th pctile
Non-Interest-Bearing Deposit Share
Current: 26.34% · Tier avg: 22.39%
58
58th pctile
Loan-to-Deposit Ratio
Current: 79.99% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
36
36th pctile
Return on Assets
Current: 0.84% · Tier avg: 1.08%
24
24th pctile
Efficiency Ratio
Current: 77.78% · Tier avg: 67.73%
14
14th pctile
Total Loans
Current: $38.7M · Tier avg: $139.2M
10
10th pctile
Total Deposits
Current: $48.3M · Tier avg: $183.7M
9
9th pctile
Total Assets
Current: $56.1M · Tier avg: $217.5M
Top Weaknesses
9
9th pctile
Total Assets
Current: $56.1M · Tier avg: $217.5M
10
10th pctile
Total Deposits
Current: $48.3M · Tier avg: $183.7M
14
14th pctile
Total Loans
Current: $38.7M · Tier avg: $139.2M
24
24th pctile
Efficiency Ratio
Current: 77.78% · Tier avg: 67.73%
36
36th pctile
Return on Assets
Current: 0.84% · Tier avg: 1.08%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
58
58th pctile
Loan-to-Deposit Ratio
Current: 79.99% · Tier avg: 74.53%
68
68th pctile
Non-Interest-Bearing Deposit Share
Current: 26.34% · Tier avg: 22.39%
74
74th pctile
Net Interest Margin
Current: 4.34% · Tier avg: 3.85%
78
78th pctile
Non-Interest Income / Assets
Current: 0.61% · Tier avg: 0.56%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%