The Waterford Commercial and Savings Bank
The Waterford Commercial and Savings Bank quarterly financials
As reported to the FDIC. Dollar values are period-end balances. Net income is for the single quarter, derived from the FDIC's year-to-date figures by subtracting the prior quarter's report. Ratios (ROA, ROE, NIM) are FDIC-computed annualized year-to-date values.
| Quarter | Assets | Deposits | Net loans | Equity | Net income | ROA | ROE | NIM | Noncurrent |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $54M | $47M | $39M | $8M | $94K | 0.68% | 4.99% | 4.55% | 0.28% |
| Q4 2025 | $56M | $48M | $39M | $8M | $84K | 0.84% | 6.81% | 4.34% | 0.00% |
| Q3 2025 | $62M | $54M | $38M | $7M | $145K | 0.92% | 7.60% | 4.20% | 0.02% |
| Q2 2025 | $60M | $52M | $37M | $7M | $130K | 0.90% | 7.43% | 4.11% | 0.11% |
| Q1 2025 | $57M | $49M | $36M | $7M | $129K | 0.91% | 7.51% | 3.95% | 0.17% |
| Q4 2024 | $56M | $47M | $36M | $7M | $74K | 0.45% | 3.97% | 3.45% | 0.26% |
| Q3 2024 | $57M | $48M | $35M | $7M | $76K | 0.43% | 3.82% | 3.31% | 0.00% |
| Q2 2024 | $58M | $49M | $34M | $6M | $50K | 0.37% | 3.43% | 3.26% | 0.00% |
| Q1 2024 | $58M | $50M | $34M | $6M | $58K | 0.40% | 3.71% | 3.16% | 0.06% |
| Q4 2023 | $58M | $51M | $34M | $6M | $46K | 0.43% | 4.13% | 3.24% | 0.00% |
| Q3 2023 | $57M | $51M | $33M | $6M | $70K | 0.47% | 4.53% | 3.20% | 0.00% |
| Q2 2023 | $57M | $50M | $31M | $6M | $60K | 0.46% | 4.40% | 3.23% | 0.00% |
Transcribed from FDIC BankFind Suite quarterly financial data (Call Report-derived). Income in Call Reports is filed year-to-date; per-quarter net income shown here is the difference between consecutive reports within the same year. NIM = net interest margin; “Noncurrent” = noncurrent loans as a share of total loans. These figures describe reported financials only and are not a safety rating or a prediction about the institution.