Side-by-side · Q2 2026 data
CFBank, National Association vs Waterford Bank, N.A.
Metric by metric
| Measure | CFBank, National Association | Waterford Bank, N.A. |
|---|---|---|
| TellerScore | 64 | 66 (stronger) |
| Capital cushion | 66 (stronger) | 54 |
| Loan quality | 62 | 77 (stronger) |
| Earnings | 68 | 71 (stronger) |
| Funding & liquidity | 43 | 49 (stronger) |
| Problem-loan coverage | 84 | 90 (stronger) |
| Peer percentile | 33rd | 40th |
| Total assets | $2.2B | $1.8B |
| Deposits / shares | $1.8B | $1.6B |
| Capital ratio | 11.64% (stronger) | 10.45% |
| Problem loans | 1.14% | 0.68% (stronger) |
| Net charge-offs | -0.01% | -0.08% (stronger) |
| Return on assets | 1.20% | 1.29% (stronger) |
| Loans ÷ deposits | 98.4% | 88.5% (stronger) |
| Uninsured deposits | 31.9% (stronger) | 35.2% |
| Offices | 6 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.0% | 1.7% |
Waterford Bank, N.A. has the higher TellerScore (66 vs 64). On the 7 directional measures above (where higher or lower is clearly better), CFBank, National Association leads on 2 and Waterford Bank, N.A. on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.