• FDIC Insured

    FDIC-Insured – Backed by the full faith and credit of the U.S. Government

  • Remember: Waterford Bank will never ask you to share account numbers, usernames, passwords, or one-time security codes by phone, email, or text. If you receive a suspicious message or call claiming to be from Waterford, do not respond — please contact us directly at 866-707-2871.

History

We know it’s likely a story you’ve heard before. Banker meets customer, and professional relationship ensues. But for us, that’s just the first few pages.

Our history of relationship banking could fill an entire book. That’s because at Waterford Bank, it’s not just about business. It’s about investing time in getting to know our customers as people. It’s about learning what works best for them and always being available when they need us. It’s about understanding that what goes on behind the scenes is just as important as what happens at the forefront. As we continue to write new chapters, we continue to reaffirm what we’ve always believed: our employees and the relationships they form are what set us apart.

Who We Are

Group of Bankers discussing business opportunities.

The Bank is staffed with well-known, experienced professionals who provide the highest caliber of service in everything from mortgages and checking  accounts to mobile banking tools and complex corporate financial management.

We offer a comprehensive range of products and services in Treasury Management, Private Banking, Commercial and Industrial Lending, Commercial Real Estate Lending, and Consumer and Mortgage Lending. From business to personal transactions – the Waterford Banking Team is providing customers throughout the Midwest with the absolute confidence, power, and peace-of-mind needed to attain their own personal and business financial goals.

History Highlights

Our history is full of important milestones in Redefining Relationship Banking. Check out some here:

  • Founded in 2007 by Mike Miller, Mike White, and Larry Boyer – Waterford Bank, N.A. raises one of the largest initial capital bases of any community bank in Ohio, an impressive 27.5 million.
  • In 2008 Waterford reaches the $100 million mark in assets in its first 11 months of business.
  • In 2010 we created our Mortgage Department and in less than five years the group became one of the top five residential operations in the region.
  • In 2017, Waterford celebrates its first decade of Redefining Relationship Banking throughout our communities.
  • In 2020, Waterford acquired Clarkston State Bank of Clarkston, Michigan – marking our first expansion over state lines and bringing the Bank to the $1 billion mark in assets.
  • Waterford has consistently received 5-star “Superior” ratings from nationally recognized bank and research firm BauerFinancial, Inc. since our inception in 2007.
  • Waterford has been nationally recognized by the Independent Community Bankers of America (ICBA) for our work in promoting youth financial literacy and career development and by the Wall Street Journal for our work assisting businesses with the Small Business Administration’s Paycheck Protection Program.

“Never did the Waterford team attempt to fit us into any type of standard program or service because of the kind or size of business we presented as. They were able to tailor an account setup for us based on the diverse needs we have as a not-for-profit healthcare provider.”

Richard RussellHospice of Northwest Ohio

“Waterford was instrumental in providing us with a LOC/term debt facility that allowed us to consolidate our operations and to continue to grow our core services to our client base. Additionally, our bankers provided us with assistance in connection with expanding our referral network in the middle market space and to develop new relationships with community leaders.”

Greg WysockiKotz Sangster Wysocki P.C.

“Waterford provides the capital necessary to do business right. Their customer-focused approach not only helps me but allows me to, in turn, focus on being customer-centric in my own business,  creating a positive chain reaction.”

Isaac WeberLugbill Supply Center

Need More Information?

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