Waterford Bank, N.A.
Toledo, OH
IDRSSD: 3588424
Total Assets
$1.71B
Latest filing
Total Deposits
$1.49B
Latest filing
Net Interest Margin
3.42%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
041215854TOLEDO, OH
Key People
Loading leadership data...
Locations
Main office and branches. Select to view on the map.
Main Office
Waterford Bank, N.A.
3900 N Mccord Rd
Toledo, OH 43617
Full Service - Brick and Mortar
Updated 01/30/2026Established 08/29/2007FDIC Certificate 451642
Branches (3)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Waterford Bank, N.A. (Main) | 3900 N Mccord Rd | Toledo, OH |
| PERRYSBURG BRANCH OFFICE | 231 Louisiana Ave | Perrysburg, OH |
| WATERFORD BANK, CLARKSTON, MI | 5800 S Main St | Clarkston, MI |
| TROY BRANCH OFFICE | 5600 New King Dr | Troy, MI |
Showing 3 of 3
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
Similar banks
Signature Bank, National Association
Toledo, Ohio
→
Assets: $1.31BΔ -25.3%
Sutton Bank
Attica, Ohio
→
Assets: $1.66BΔ -5.8%
The Ohio Valley Bank Company
Gallipolis, Ohio
→
Assets: $1.55BΔ -11.6%
THE VINTON COUNTY NATIONAL BANK
Mcarthur, Ohio
→
Assets: $1.55BΔ -11.6%
The Middlefield Banking Company
Middlefield, Ohio
→
Assets: $1.98BΔ +12.5%
The State Bank and Trust Company
Defiance, Ohio
→
Assets: $1.49BΔ -15.4%
Institution Profile
| Institution Class | Commercial bank, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 08/29/2007 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 43617 |
| State and County Number | 39095 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 04 |
| Numeric code | 3 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Toledo, OH |
Operational Info
| Number of Employees | 101 |
| Domestic Offices | 4 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 08/29/2007 |
| Primary Insurance Agency | DIF |
| Website | www.waterfordbankna.com |
| Data Updated | 01/30/2026 |
| CERT | 58433 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.71B |
| Total Deposits | $1.49B |
| Total Liabilities | $1.53B |
| Total Equity Capital | $172.32M |
| Net Income | $4.30M |
| Net Loans and Leases | $1.33B |
| Assets Per Employee ($Millions) | $16.57M |
| Bank Premises and Fixed Assets | $8.02M |
| Cash and Balances due from Depository Institutions | $34.88M |
| Deposits Held in Domestic Offices | $1.49B |
Key Performance Ratios
| Return on Assets (ROA) | 0.99% |
| Return on Equity (ROE) | 10.17% |
| Net Interest Margin | 3.42% |
| Efficiency Ratio | 62.71% |
| Tier 1 Risk-Based Capital Ratio | 11.238% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.14% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.096% |
| Earning Assets to total Assets | 95.53% |
Income and Expense
| Total Interest Income | $23.68M |
| Total Noninterest Income | $1.24M |
| Total Interest Expense | $9.50M |
| Total Noninterest Expense | $9.72M |
| Net Interest Income | $14.18M |
| Pre-tax Net Operating Income | $5.10M |
| Provision for Credit Losses | $606.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $35.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $9.23M |
| Total Liabilities and Capital | $1.71B |
Securities
| Securities | $280.81M |
| Available-for-sale debt securities | $280.81M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Waterford Bank, N.A.?
$1.71B as of the latest filing.
How much are Waterford Bank, N.A.'s total deposits?
$1.49B in total deposits.
Where is Waterford Bank, N.A. located?
Toledo, OH.
What is the Net Interest Margin?
3.42%.
How many domestic offices does it operate?
4.
When was it established?
08/29/2007.
What is the Return on Assets (ROA)?
0.99%.
How much are total loans and leases?
$1.33B (latest filing).
What is the total interest income (latest filing)?
$23.68M.