• 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.

“Waterford was crucial to my business growth. Early on, it might have been difficult to get the kind of equipment and real estate lending from a large bank. Waterford was able to provide the  lending I needed to grow my business without jumping through a bunch of hoops.”

Jon AddisArea 419

“The difference that we’ve found at Waterford compared to other banks that we’ve worked with is the professionalism and commitment of everyone we’ve met there. They seem to truly care, and we receive the ‘white glove’ treatment. We like the fact that they are a local bank and that the service is very personable. It’s comforting to know that real people are keeping an eye out for our accounts to keep them safe and get us the best rates possible.”

Donna and Francis Glinka

“My family has been with Waterford for years now, starting as our financial partner for our company. After seeing how they treated the complexities of our business finances with unmatched customer service, it was an easy decision to transition our personal banking accounts to them as well.”

Marty Foster

Need More Information?

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