Waterford Bank, N.A. is a bank based in Toledo, Ohio, established in 2007, with $1.7 billion in total assets across 4 branches. By Trust Grade it ranks 30th of 157 banks we track in Ohio. Its capital ratio of 10.2% trails most similarly sized banks (49th percentile), versus a Ohio median of 10.3%. It was profitable over the most recent period, with a 1.24% return on assets. No consumer complaints against Waterford Bank, N.A. appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Waterford Bank, N.A. compares to Ohio peers
How we graded Waterford Bank, N.A.
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (10.2% capital ratio)
- Strongly profitable (ROA 1.24%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Waterford Bank, N.A. over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (4)
- 3900 N Mccord Rd, Toledo, OH 43617
- 231 Louisiana Ave, Perrysburg, OH 43551
- 5800 S Main St, Clarkston, MI 48346
- 5600 New King Dr, Troy, MI 48098
Are deposits at Waterford Bank, N.A. insured?
Yes. Waterford Bank, N.A. is an FDIC-insured bank (FDIC certificate #58433). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Waterford Bank, N.A.: frequently asked questions
Is Waterford Bank, N.A. a good bank?
Waterford Bank, N.A. earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (10.2% capital ratio); Strongly profitable (ROA 1.24%).
Is Waterford Bank, N.A. FDIC-insured?
Yes. Waterford Bank, N.A. is a FDIC-insured bank (FDIC certificate #58433). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Waterford Bank, N.A.?
Waterford Bank, N.A. holds $1.7 billion in total assets, ranking 30th of 157 banks we track in Ohio. It operates 4 branches.
Does Waterford Bank, N.A. have CFPB complaints?
No CFPB complaints against Waterford Bank, N.A. appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
