WATERSTONE BANK

WAUWATOSA, WI | Large | Est. Jan. 1, 1921, midnight | FDIC #28513 | RSSD #310978 | FDIC
Latest Report: 2025-12-31

WATERSTONE BANK is aln large FDIC-insured commercial bank headquartered in WAUWATOSA, WI, established in Jan. 1, 1921, midnight. As of 2025-12-31, the bank reported total assets of $2.3B and total deposits of $1.5B. Profitability stands at 1.34% ROA and 9.07% ROE, with a net interest margin of 3.08%. The bank's CET1 capital ratio is 19.47%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.34% and a Texas Ratio of 1.86%. FDIC Certificate #28513.

Assets

$2.3B

Deposits

$1.5B

Loans

$1.8B

Equity

$338M

Profitability

Return on Assets (ROA) 1.34%
Return on Equity (ROE) 9.07%
Net Interest Margin (NIM) 3.08%
Yield on Assets 5.85%
Cost of Funds 3.25%

Asset Quality

NPL Ratio 0.34%
Net Charge-Off Ratio -0.01%
Texas Ratio 1.86%
NPA Ratio 0.29%
ACL / Loans 0.96%

Capital & Liquidity

CET1 Ratio 19.47%
Tier 1 Capital 19.47%
Total Capital Ratio 20.49%
Leverage Ratio 15.43%
Loan-to-Deposit 123.33%

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