The Waterford Commercial And Savings Bank is a bank based in Waterford, Ohio, established in 1908, with $54 million in total assets across 2 branches. By Trust Grade it ranks 74th of 157 banks we track in Ohio. Its capital ratio of 13.9% is stronger than 65% of similarly sized banks, versus a Ohio median of 10.3%. It was profitable over the most recent period, with a 0.68% return on assets. No consumer complaints against The Waterford Commercial And Savings Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How The Waterford Commercial And Savings Bank compares to Ohio peers
How we graded The Waterford Commercial And Savings Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (13.9% capital ratio)
- Profitable (ROA 0.68%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for The Waterford Commercial And Savings Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (2)
- 250 W Main St, Crooksville, OH 43731
- 20115 State Route 339, Waterford, OH 45786
Are deposits at The Waterford Commercial And Savings Bank insured?
Yes. The Waterford Commercial And Savings Bank is an FDIC-insured bank (FDIC certificate #8397). 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.
The Waterford Commercial And Savings Bank: frequently asked questions
Is The Waterford Commercial And Savings Bank a good bank?
The Waterford Commercial And Savings Bank earns a Bankzia Trust Grade of A (95/100, "Excellent"), based on a financial-strength score of 95/100 (it has no CFPB complaints on record). Strongly capitalized (13.9% capital ratio); Profitable (ROA 0.68%).
Is The Waterford Commercial And Savings Bank FDIC-insured?
Yes. The Waterford Commercial And Savings Bank is a FDIC-insured bank (FDIC certificate #8397). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is The Waterford Commercial And Savings Bank?
The Waterford Commercial And Savings Bank holds $54 million in total assets, ranking 74th of 157 banks we track in Ohio. It operates 2 branches.
Does The Waterford Commercial And Savings Bank have CFPB complaints?
No CFPB complaints against The Waterford Commercial And Savings Bank 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.
