Letter from the CEO


Dear Friends,

It seems people are rediscovering the value of a conservative approach with their money these days.  This has been the Waterford Bank’s approach since 1908, and we continue to see steady growth thanks to our experienced banking team, quality officers, bank directors, and loyal customers.

Our success is a result of careful financial management and financial solutions that offer superior value, security, and excellent hometown service.  Whether it’s our great staff welcoming you by name or easily reaching a banker by telephone, we offer the kind of old-fashioned, personal service that is hard to find.  Combined with our competitive deposit and mortgage products, it is clear to see why the Waterford Commercial and Savings Bank is one of the highest-rated and most successful banks in the area.

Although our service is old-fashioned, we offer the latest technology with internet-banking, bill-pay, and smart phone apps that are second-to-none.  Our state-of-the-art website is full of useful information including online applications for our Rewards Platinum VISA credit card.  If you are in the market for a new loan, we invite you to apply with us.   We offer competitive rates and terms for purchasing, constructing, or remodeling your dream home.  Tell us your story and we will assist you in reaching your goals!

The Waterford Commercial and Savings Bank is grateful for the support of multiple generations since we opened for business in 1908. Customer referrals will continue to be vital to our success.  Tell your friends, neighbors, and business associates about our easy loan process.  We focus on the needs of the each customer and will always work hard to exceed your expectations for customer service.

Stop in and see us at the Waterford Commercial and Savings Bank, where customer service is our first priority.  We will earn your loyalty and confidence and guarantee confidentiality.  Our loyal customers allow us to give back to our communities and we will work to continue to be an integral part this community as we have for the past 111 years. 

Chris Combs
CEO, Waterford Commercial & Savings Bank