Side-by-side · Q2 2026 data
The Ohio Valley Bank Company vs Waterford Bank, N.A.
Metric by metric
| Measure | The Ohio Valley Bank Company | Waterford Bank, N.A. |
|---|---|---|
| TellerScore | 54 | 66 (stronger) |
| Capital cushion | 47 | 54 (stronger) |
| Loan quality | 52 | 77 (stronger) |
| Earnings | 55 | 71 (stronger) |
| Funding & liquidity | 50 (stronger) | 49 |
| Problem-loan coverage | 80 | 90 (stronger) |
| Peer percentile | 12th | 40th |
| Total assets | $1.6B | $1.8B |
| Deposits / shares | $1.4B | $1.6B |
| Capital ratio | 9.73% | 10.45% (stronger) |
| Problem loans | 1.45% | 0.68% (stronger) |
| Net charge-offs | 0.06% | -0.08% (stronger) |
| Return on assets | 0.89% | 1.29% (stronger) |
| Loans ÷ deposits | 86.2% (stronger) | 88.5% |
| Uninsured deposits | 36.6% | 35.2% (stronger) |
| Offices | 14 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.2% | 1.7% |
Waterford Bank, N.A. has the higher TellerScore (66 vs 54). On the 7 directional measures above (where higher or lower is clearly better), The Ohio Valley Bank Company leads on 1 and Waterford Bank, N.A. on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.