Side-by-side · Q2 2026 data
The First National Bank of McConnelsville vs The Waterford Commercial and Savings Bank
Bank
The First National Bank of McConnelsville
Mcconnelsville, Ohio · $100 million – $1 billion
Metric by metric
| Measure | The First National Bank of McConnelsville | The Waterford Commercial and Savings Bank |
|---|---|---|
| TellerScore | 64 | 83 (stronger) |
| Capital cushion | 36 | 86 (stronger) |
| Loan quality | 71 | 97 (stronger) |
| Earnings | 68 (stronger) | 52 |
| Funding & liquidity | 87 (stronger) | 82 |
| Problem-loan coverage | 92 | 99 (stronger) |
| Peer percentile | 26th | 73rd |
| Total assets | $200.2M | $60.0M |
| Deposits / shares | $176.9M | $52.1M |
| Capital ratio | 8.61% | 13.60% (stronger) |
| Problem loans | 0.86% | 0.09% (stronger) |
| Net charge-offs | -0.00% | -0.13% (stronger) |
| Return on assets | 1.21% (stronger) | 0.80% |
| Loans ÷ deposits | 63.4% (stronger) | 78.2% |
| Uninsured deposits | 23.9% | 9.9% (stronger) |
| Offices | 6 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 5.8% |
The Waterford Commercial and Savings Bank has the higher TellerScore (83 vs 64). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of McConnelsville leads on 2 and The Waterford Commercial and Savings Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.