Research terminalQ2 2026 · 4,313 institutions · refreshed 8/27/2026 · catalog mismatch

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Q2 2026 · 4,313 institutions · refreshed 8/27/2026

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OptimaYield board tearsheet · reported facts

WATERFORD BANK N A

FDIC #58433 · OH · period 20260630

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Total assets1,002,267-33.08% YoY

Total deposits885,006-35.22% YoY

Net loans and leases852,207-15.87% YoY

Return on assets1.16%-4.96% YoY

Return on equity10.92%-21.61% YoY

Net interest margin4.36%+36.40% YoY

Peer position

Return on assets53rdin line · n=902

Return on equity54thin line · n=894

Net interest margin31stin line · n=902

Equity to assets45thin line · n=894

Noncurrent loans39thin line · n=887

Liquid assets41stin line · n=895

Brokered deposits8thopportunity · n=890

Loans to deposits47thin line · n=890

Ten-year reported history

Period	Assets	Deposits	Loans	ROA	ROE	NIM
2020-03-31	1,002,267	885,006	852,207	1.16	10.92	4.36
2020-06-30	1,259,905	1,125,369	1,024,904	1.33	13.75	4.30
2020-09-30	1,287,887	1,153,693	1,006,677	1.14	11.88	3.96
2020-12-31	1,364,147	1,234,315	961,631	1.18	12.47	3.85
2021-03-31	1,497,703	1,366,096	1,013,005	1.22	13.93	3.20
2021-06-30	1,514,370	1,377,576	962,710	1.20	13.85	3.26
2021-09-30	1,512,471	1,373,420	934,150	1.15	13.27	3.23
2021-12-31	1,532,949	1,393,946	963,750	1.11	12.80	3.23
2022-03-31	1,551,763	1,421,111	984,818	1.13	13.67	3.05
2022-06-30	1,589,118	1,445,063	1,119,458	1.18	14.83	3.16
2022-09-30	1,601,766	1,417,771	1,120,772	1.23	16.00	3.25
2022-12-31	1,561,553	1,338,559	1,125,332	1.22	15.88	3.26
2023-03-31	1,595,627	1,340,920	1,159,833	0.79	10.20	2.77
2023-06-30	1,654,475	1,446,434	1,196,412	0.74	9.65	2.64
2023-09-30	1,658,556	1,480,030	1,241,361	0.73	9.67	2.63
2023-12-31	1,686,991	1,444,257	1,265,669	0.79	10.20	2.63
2024-03-31	1,737,709	1,532,063	1,306,991	0.72	8.81	2.51
2024-06-30	1,762,654	1,537,741	1,348,195	0.76	9.37	2.58
2024-09-30	1,765,005	1,542,861	1,313,073	0.87	10.58	2.70
2024-12-31	1,688,520	1,498,473	1,288,866	0.72	8.66	2.80
2025-03-31	1,766,198	1,568,310	1,305,594	0.94	10.90	2.97
2025-06-30	1,729,385	1,510,749	1,337,657	1.05	11.86	3.07
2025-09-30	1,758,409	1,546,374	1,367,354	1.13	12.55	3.16
2025-12-31	1,706,864	1,490,313	1,329,973	1.10	11.92	3.24
2026-03-31	1,717,591	1,497,479	1,324,764	1.24	12.21	3.29
2026-06-30	1,771,847	1,563,860	1,383,455	1.29	12.68	3.39

Structure and branch footprint

4 current branch locations across 2 states as of 2026-08-22. This is an annual branch-location count, not deposit market share.

Date	Code	Predecessor RSSD	Successor RSSD
2020-01-01	1	2735173	3588424

Reviewed intelligence

No reviewed or published intelligence is linked to this institution.

Scope and limitations

Financial facts are scoped to the FDIC-insured bank. NIC transformations use the linked RSSD identity; SEC issuer and bank-holding-company facts are not silently combined. Branch data follows its annual source cadence. Intelligence appears only after review or publication.