OH lenders / Community Bank
The Waterford Commercial and Savings Bank
Community Bank · Waterford, OH · 2012 Waterford Coml&Svg Bk Shareholders Voting Tr
- Total assets
- $54.4M
- CRE loan book
- $8.7M
- QoQ CRE growth
- 2.4%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.26% as of Q1 2026 — TX bank median 4.87% (1.40pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.26% | 6.73% |
| Q4 2025 | 6.44% | 6.91% |
| Q3 2025 | 6.39% | 6.86% |
| Q2 2025 | 6.20% | 6.58% |
| Q1 2025 | 5.91% | 6.38% |
| Q4 2024 | 7.16% | 6.54% |
| Q3 2024 | 5.94% | 6.39% |
| Q2 2024 | 5.69% | 6.20% |
What their existing real-estate book earns — an anchor for where new money gets priced. Source: FFIEC Call Reports.
For a current market estimate for your property, use the terms estimator →
CRE book — quarterly trend (FFIEC Call Reports)
| Quarter | CRE loans | Construction | Multifamily | Concentration | Nonaccrual CRE |
|---|---|---|---|---|---|
| Q1 2026 | $8.7M | $7.3M | $0 | 105% | $0 |
| Q4 2025 | $8.5M | $7.1M | $0 | 102% | $0 |
| Q3 2025 | $8.7M | $7.5M | $0 | 106% | $0 |
| Q2 2025 | $8.1M | $6.9M | $0 | 100% | $0 |
| Q1 2025 | $7.3M | $6.0M | $0 | 91% | $0 |
| Q4 2024 | $7.1M | $5.7M | $0 | 89% | $0 |
| Q3 2024 | $7.1M | $5.2M | $0 | 90% | $0 |
| Q2 2024 | $6.3M | $4.3M | $0 | 80% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- The Farmers and Merchants BankCommunity Bank · Caldwell · $8.8M CRE book
- The Citizens First National Bank of Storm LakeCommunity Bank · Storm Lake · $8.6M CRE book
- McClave State BankCommunity Bank · Mcclave · $8.5M CRE book
- Generations BankCommunity Bank · Seneca Falls · $8.4M CRE book
- First State Bank of BrownsboroCommunity Bank · Brownsboro · $8.4M CRE book
See all alternatives to The Waterford Commercial and Savings Bank →
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.