Dear Community,

At Waterford Commercial & Savings Bank, our commitment to being an independent, locally owned community bank remains as strong today as it was when we were founded in 1908. Our purpose has always been simple—serve our community with integrity, build lasting relationships, and provide the financial tools needed to help our neighbors succeed.

As someone who grew up in this community and chose to return home to build both a career and a life, I have a deep appreciation for what makes this area special. My professional background has always centered on service, whether through my time as an officer in the U.S. Army or years spent leading a local nonprofit organization focused on serving others. That foundation continues to shape how I approach banking today: with a focus on relationships, accountability, and doing what’s right for the people we serve.

Community banks play a vital role in the success and sustainability of towns like Beverly and Waterford. We are proud to support individuals and families at every stage of life. From first-time home buyers taking that exciting first step, to young adults beginning their financial journey, to customers planning for a secure and comfortable retirement. These are more than transactions to us they are life moments, and we are honored to be part of them.

One of the greatest differences you will find at a community bank is the people. When you walk through our doors, you are greeted by a familiar face—someone you know, someone you may have grown up with, and someone who truly cares. Our employees are members of this community. They raise their families here, support local events, and take pride in helping their neighbors succeed. The service you receive reflects that. It is personal, thoughtful, and built on trust.

When you choose to bank locally, your impact goes far beyond your own financial needs. Your deposits and loans allow us to give back by supporting local organizations, sponsoring youth sports teams, and investing in our school districts. These contributions help strengthen the very fabric of our community, ensuring it remains a great place to live, work, and raise a family.

While community banks offer a level of service and connection that larger institutions cannot match, we also provide the products and conveniences you expect in today’s banking environment. From mobile banking and remote deposit capture to person-to-person payments and modern account services, we combine advanced technology with personalized service to give you the best of both worlds.

We are proud of our team and their continued dedication to serving this community. At Waterford Commercial & Savings Bank, we don’t just do business here, we live here, we invest here, and we care deeply about the people we serve.

Thank you for your continued trust and support. Expect The Best!

Katie Tucker
CEO, Waterford Commercial & Savings Bank