OH lenders / Community Bank
Waterford Bank, N.A.
Community Bank · Toledo, OH · Waterford Bcorp Inc
- Total assets
- $1.7B
- CRE loan book
- $768.8M
- QoQ CRE growth
- -1.3%
- Q1 2026
Recorded CRE activity — oh-tuscarawas County
2 commercial deeds of trust recorded recently, verified from county records.
- Sep 22, 2026 · unknownundisclosed
- Sep 10, 2026 · unknownundisclosed
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 5.82% as of Q1 2026 — TX bank median 4.87% (0.95pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 5.82% | 6.04% |
| Q4 2025 | 6.07% | 6.30% |
| Q3 2025 | 5.83% | 6.32% |
| Q2 2025 | 5.67% | 6.17% |
| Q1 2025 | 5.49% | 5.97% |
| Q4 2024 | 5.65% | 6.23% |
| Q3 2024 | 5.68% | 6.48% |
| Q2 2024 | 5.51% | 6.17% |
What their existing real-estate book earns — an anchor for where new money gets priced. Source: FFIEC Call Reports.
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CRE book — quarterly trend (FFIEC Call Reports)
| Quarter | CRE loans | Construction | Multifamily | Concentration | Nonaccrual CRE |
|---|---|---|---|---|---|
| Q1 2026 | $768.8M | $53.4M | $129.8M | 240% | $4.6M |
| Q4 2025 | $779.3M | $54.7M | $148.1M | 251% | $4.7M |
| Q3 2025 | $817.7M | $76.8M | $137.1M | 276% | $5.6M |
| Q2 2025 | $801.1M | $71.4M | $138.4M | 277% | $3.6M |
| Q1 2025 | $793.5M | $78.7M | $120.3M | 274% | $4.0M |
| Q4 2024 | $787.8M | $68.9M | $119.3M | 266% | $0 |
| Q3 2024 | $817.2M | $75.4M | $137.6M | 291% | $0 |
| Q2 2024 | $822.0M | $108.2M | $117.2M | 297% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Hawthorn BankCommunity Bank · Jefferson City · $770.0M CRE book
- Community National BankCommunity Bank · Midland · $780.4M CRE book
- Somerset Trust CompanyCommunity Bank · Somerset · $756.4M CRE book
- American Riviera BankCommunity Bank · Santa Barbara · $786.1M CRE book
- First United BankCommunity Bank · Dimmitt · $747.6M CRE book
Last updated Sep 22, 2026 · Sources: FFIEC CDR, county records, first-party conversations.