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BDI
WB

Waterford Bank, N.A.

Toledo, OhioFDIC Cert #58433

OCCEstablished 20074 branches

Holding company: WATERFORD BCORP INCRegulator: OCC

FDICCERT + OFFDOM

Balance sheet & income statement

Financials

Reported balance-sheet positions and year-to-date earnings from the latest FDIC Call Report.

As of Q1 2026

Balance sheet trend

Assets & deposits

Time range
Reporting mode
Assets and deposits by reporting quarter
QuarterAssetsDeposits
Q2 2021$1.51B$1.38B
Q3 2021$1.51B$1.37B
Q4 2021$1.53B$1.39B
Q1 2022$1.55B$1.42B
Q2 2022$1.59B$1.45B
Q3 2022$1.6B$1.42B
Q4 2022$1.56B$1.34B
Q1 2023$1.6B$1.34B
Q2 2023$1.65B$1.45B
Q3 2023$1.66B$1.48B
Q4 2023$1.69B$1.44B
Q1 2024$1.74B$1.53B
Q2 2024$1.76B$1.54B
Q3 2024$1.77B$1.54B
Q4 2024$1.69B$1.5B
Q1 2025$1.77B$1.57B
Q2 2025$1.73B$1.51B
Q3 2025$1.76B$1.55B
Q4 2025$1.71B$1.49B
Q1 2026$1.72B$1.5B

Balance sheet

Core assets, funding, and capital reported at quarter end.

Assets
$1.72B
−2.8%y/y
Percentile by value60th percentileby value
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICASSET
Deposits
$1.5B
−4.5%y/y
Percentile by value62nd percentileby value
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICDEP
Gross loans
$1.34B
+1.6%y/y
Percentile by value68th percentileby value
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICLNLSGR
Net loans
$1.32B
+1.5%y/y
Percentile by value68th percentileby value
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICLNLSNET
Securities
$279M
−5.0%y/y
Percentile by value58th percentileby value
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICSC
Cash
$53M
−48.9%y/y
Percentile by value25th percentileby value
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICCHBAL
Liabilities
$1.54B
−4.4%y/y
Percentile by value61st percentileby value
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICLIAB
Equity
$175M
+15.0%y/y
Peer standing58th percentile
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICEQ

Income statement

Year-to-date reported earnings and core revenue components.

Revenue
$14.7M
+10.8%y/y
Peer standing43rd percentile
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICNIM + NONII
NII
$13.4M
+10.1%y/y
Peer standing52nd percentile
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICNIM
Noninterest income
$1.25M
+19.2%y/y
Peer standing24th percentile
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICNONII
Provision
$378K
−20.6%y/y
Percentile by value53rd percentileby value
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICELNATR
Pretax income
$6.65M
+27.8%y/y
Peer standing60th percentile
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICPTAXNETINC
Net income
$5.31M
+30.4%y/y
Peer standing55th percentile
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICNETINC