Side-by-side · Q2 2026 data
The Waterford Commercial and Savings Bank vs First Bank of Ohio
Metric by metric
| Measure | The Waterford Commercial and Savings Bank | First Bank of Ohio |
|---|---|---|
| TellerScore | 83 | 90 (stronger) |
| Capital cushion | 86 | 100 (stronger) |
| Loan quality | 97 (stronger) | 91 |
| Earnings | 52 | 98 (stronger) |
| Funding & liquidity | 82 (stronger) | 50 |
| Problem-loan coverage | 99 | 99 |
| Peer percentile | 73rd | 95th |
| Total assets | $60.0M | $278.4M |
| Deposits / shares | $52.1M | $176.2M |
| Capital ratio | 13.60% | 35.51% (stronger) |
| Problem loans | 0.09% (stronger) | 0.26% |
| Net charge-offs | -0.13% (stronger) | 1.43% |
| Return on assets | 0.80% | 1.96% (stronger) |
| Loans ÷ deposits | 78.2% (stronger) | 107.4% |
| Uninsured deposits | 9.9% (stronger) | 17.3% |
| Offices | 2 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.8% | — |
First Bank of Ohio has the higher TellerScore (90 vs 83). On the 7 directional measures above (where higher or lower is clearly better), The Waterford Commercial and Savings Bank leads on 4 and First Bank of Ohio on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.