2012 WATERFORD COML&SVG BK SHAREHOLDERS VOTING TR is the bank holding company. THE WATERFORD COMMERCIAL AND SAVINGS BANK is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the holding company level.

Bank Holding Company

2012 WATERFORD COML&SVG BK SHAREHOLDERS VOTING TR

Legal name: 2012 WATERFORD COMMERCIAL & SAVINGS BANK SHAREHOLDERS VOTING TRUST

1 active bank · $54M combined assets

RSSD ID: 4452401 (FFIEC NIC)

Combined Assets

$54M

CRA Rating Summary

Satisfactory1charter

Across all 9 exams on record for this holding company's charters, 100% resulted in Outstanding or Satisfactory.

Primary bankTHE WATERFORD COMMERCIAL AND SAVINGS BANKWATERFORD, OHSatisfactory$54MView profile →

At a Glance

Dominant CRA Rating

Satisfactory

1 of 1 bank · Meets expectations for community lending

Combined Assets

$54M

1 active bank

Financial Summary

FDIC Call Reports

Aggregated from the most recent call report filings for all active charters.

Total Deposits

$47M

Net Income

$94K

ROA (avg)

0.68%

asset-weighted avg

Mortgage Lending (HMDA)

CFPB · 2024Lender rankings →

Aggregated HMDA data across all active charters for 2024.

Applications

Origination Rate

71.93%

Denial Rate

14.04%

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Ownership	Current Rating	Exam Date
THE WATERFORD COMMERCIAL AND SAVINGS BANK	WATERFORD, OH	FDIC	$54M	59.0%	Satisfactory	Apr 2025

CRA (Community Reinvestment Act) exams are conducted per charter, not per holding company. Asset figures are from the most recent FDIC call report.