Waterford Bank N A (FDIC #58433): Bank Stress & Real-Estate Credit Exposure
Waterford Bank N A (FDIC Cert #58433): bank stress 64/100, elevated, STABLE over 7 days; parent WATERFORD BCORP INC.
Waterford Bank N A (#58433) lends in 3 counties across 2 states; Waterford Bank N A (#58433) reaches 133 ZIP codes: Ohio 2 counties, 62 ZIPs; Michigan 1 county, 71 ZIPs.
Waterford Bank N A (#58433) largest markets: Oakland County, MI (142 branches, 71 ZIPs) (#58433), Wood County, OH (34 branches, 34 ZIPs) (#58433), Lucas County, OH (30 branches, 30 ZIPs) (#58433).
Waterford Bank N A (#58433) reports $1.77 billion in total assets; Waterford Bank N A (#58433) equity $179.4 million (10.1% of Waterford Bank N A (#58433) assets); Waterford Bank N A (#58433) domestic deposits $1.56 billion; Waterford Bank N A (#58433) net income $11.1 million; Waterford Bank N A (#58433) return on assets 1.29%; Waterford Bank N A (#58433) return on equity 12.68%; Waterford Bank N A (#58433) net interest income $28.1 million; Waterford Bank N A (#58433) call report June 30, 2026.
Waterford Bank N A (#58433) noncurrent real-estate loans: none reported; Waterford Bank N A (#58433) net charge-offs on real estate 0.51%; Waterford Bank N A (#58433) residential charge-offs 0.52%.
Waterford Bank N A (#58433) net interest margin 3.39% against an eight-quarter Waterford Bank N A (#58433) average of 3.08% (Waterford Bank N A (#58433) compression -0.31 points); Waterford Bank N A (#58433) non-residential real estate 51.5% of equity; Waterford Bank N A (#58433) rate-exposure score 40/100, Waterford Bank N A (#58433) fixed-rate trap 40/100; Waterford Bank N A (#58433) risk type credit driven; Waterford Bank N A (#58433) rate regime rates elevated, Waterford Bank N A (#58433) snapshot October 20, 2026.
Waterford Bank N A (#58433) stress score moved from 63.5 on June 22, 2026 to 64.4 on October 20, 2026; Waterford Bank N A (#58433) ranged 63.5 to 64.4 over 117 snapshots.
Waterford Bank N A (#58433) alerts: 3 counties; top Waterford Bank N A (#58433) alert scores: Perrysburg County, OH 22 (low); Toledo County, OH 22 (low); Troy County, OH 22 (low).