Waterford Bank, N.A. (FDIC certificate #58433) is based in Toledo, Ohio. Its Q2 2026 call report shows $1.8B in total assets and $1.6B in deposits and 4 offices across 2 states.
Waterford Bank, N.A. has a TellerScore of 66 out of 100 (moderate) based on Q2 2026 data — higher than only 40% of its 897 banks with $1 billion – $10 billion. Among 157 banks headquartered in Ohio, it ranks 97th. Problem-loan coverage contributes the most (90/100, 4.8%); funding & liquidity contributes the least (49/100, 88% loans-to-deposits, 35% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (65 → 66).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 65 |
| Q3 2024 | 66 |
| Q4 2024 | 55 |
| Q1 2025 | 64 |
| Q2 2025 | 65 |
| Q3 2025 | 64 |
| Q4 2025 | 64 |
| Q1 2026 | 62 |
| Q2 2026 | 66 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.11% |
| Q3 2024 | 9.10% |
| Q4 2024 | 9.20% |
| Q1 2025 | 9.41% |
| Q2 2025 | 9.55% |
| Q3 2025 | 9.60% |
| Q4 2025 | 9.88% |
| Q1 2026 | 10.36% |
| Q2 2026 | 10.45% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 1.07% |
| Q1 2025 | 0.39% |
| Q2 2025 | 0.35% |
| Q3 2025 | 0.48% |
| Q4 2025 | 0.63% |
| Q1 2026 | 1.07% |
| Q2 2026 | 0.68% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.76% |
| Q3 2024 | 0.87% |
| Q4 2024 | 0.72% |
| Q1 2025 | 0.94% |
| Q2 2025 | 1.05% |
| Q3 2025 | 1.13% |
| Q4 2025 | 1.10% |
| Q1 2026 | 1.24% |
| Q2 2026 | 1.29% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 66 | $1.8B | 10.45% | 0.68% | 1.29% | 88.5% |
| Q1 2026 | 62 | $1.7B | 10.36% | 1.07% | 1.24% | 88.5% |
| Q4 2025 | 64 | $1.7B | 9.88% | 0.63% | 1.10% | 89.2% |
| Q3 2025 | 64 | $1.8B | 9.60% | 0.48% | 1.13% | 88.4% |
| Q2 2025 | 65 | $1.7B | 9.55% | 0.35% | 1.05% | 88.5% |
| Q1 2025 | 64 | $1.8B | 9.41% | 0.39% | 0.94% | 83.2% |
| Q4 2024 | 55 | $1.7B | 9.20% | 1.07% | 0.72% | 86.0% |
| Q3 2024 | 66 | $1.8B | 9.10% | 0.00% | 0.87% | 85.1% |
| Q2 2024 | 65 | $1.8B | 9.11% | 0.00% | 0.76% | 87.7% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Ohio
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Sutton BankBank Attica, OH | 77 out of 100, Strong | $1.7B | 10.0% | 0.02% | vs |
| The Ohio Valley Bank CompanyBank Gallipolis, OH | 54 out of 100, Below average | $1.6B | 9.7% | 1.45% | vs |
| The State Bank and Trust CompanyBank Defiance, OH | 70 out of 100, Strong | $1.6B | 10.0% | 0.30% | vs |
| The Vinton County National BankBank Mcarthur, OH | 73 out of 100, Strong | $1.6B | 10.5% | 0.27% | vs |
| Main Street Bank Corp.Bank Wooster, OH | 67 out of 100, Moderate | $1.6B | 9.2% | 0.66% | vs |
| The Union Bank CompanyBank Columbus Grove, OH | 74 out of 100, Strong | $1.4B | 10.8% | 0.12% | vs |
Deposit insurance
Is my money safe at Waterford Bank, N.A.?
Yes. Waterford Bank, N.A. is an FDIC-insured institution (FDIC certificate #58433). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 35.2% of deposits ($551.2M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.45%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.61% (benchmark: 10%).
4 locations
Branches
Waterford Bank, N.A. lists 4 offices in 4 cities across 2 states. Most locations:
- Clarkston, MI (1)
- Perrysburg, OH (1)
- Toledo, OH (1)
- Troy, MI (1)
HMDA 2025
Mortgage lending
In 2025, Waterford Bank, N.A. reported 65 home-loan applications under HMDA (LEI 549300Z8EM6P4IUIYG50): 57 originated ($39,865,000 total), 1 denied, and 6 withdrawn or closed by the applicant. Its denial rate on decided applications was 1.7%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Waterford Bank, N.A.
- Type
- National bank
- FDIC certificate #
- 58433
- RSSD ID
- 3588424
- Primary regulator
- OCC
- Holding company
- Waterford Bcorp Inc
- Established
- August 29, 2007
- Headquarters
- 3900 N Mccord Rd, Toledo, OH 43617
- Website
- www.waterfordbankna.com
- Employees
- 108
Quick answers
Waterford Bank, N.A.: common questions
Is Waterford Bank, N.A. FDIC insured?
Yes. Waterford Bank, N.A. is an FDIC-insured institution (FDIC certificate #58433). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Waterford Bank, N.A.'s TellerScore?
66 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Waterford Bank, N.A. ever failed?
There is no failure record for FDIC certificate #58433 in the FDIC failed bank list.
How many branches does Waterford Bank, N.A. have?
4 offices as of the latest FDIC data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Toledo
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Eight Federal Credit UnionCredit union Rossford, OH | 96 out of 100, Very strong | $25.3M | 14.8% | 0.02% | vs |
| Toledo Fire Fighters Federal Credit UnionCredit union Toledo, OH | 95 out of 100, Very strong | $45.5M | 17.8% | 0.34% | vs |
| Superior Credit Union, IncCredit union Lima, OH | 94 out of 100, Very strong | $2.0B | 15.2% | 0.20% | vs |
| First Federal Savings and Loan AssociationBank Delta, OH | 93 out of 100, Very strong | $246.0M | 16.5% | 0.00% | vs |
| Tlc Community Credit UnionCredit union Adrian, MI | 90 out of 100, Very strong | $950.2M | 14.5% | 0.14% | vs |
| Parish Federal Credit UnionCredit union Toledo, OH | 87 out of 100, Very strong | $24.0M | 11.8% | 0.06% | vs |