WATERMARK BANK

OKLAHOMA CITY, OK | Small | Est. Jan. 22, 2019, midnight | FDIC #59148 | RSSD #5313312 | FDIC
Latest Report: 2025-12-31

WATERMARK BANK is asn small FDIC-insured commercial bank headquartered in OKLAHOMA CITY, OK, established in Jan. 22, 2019, midnight. As of 2025-12-31, the bank reported total assets of $407M and total deposits of $347M. Profitability stands at 1.16% ROA and 8.96% ROE, with a net interest margin of 4.49%. The bank's CET1 capital ratio is 14.90%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #59148.

Assets

$407M

Deposits

$347M

Loans

$339M

Equity

$54M

Profitability

Return on Assets (ROA) 1.16%
Return on Equity (ROE) 8.96%
Net Interest Margin (NIM) 4.49%
Yield on Assets 7.06%
Cost of Funds 2.76%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio -0.02%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 1.29%

Capital & Liquidity

CET1 Ratio 14.90%
Tier 1 Capital 14.90%
Total Capital Ratio 16.15%
Leverage Ratio 12.99%
Loan-to-Deposit 97.74%

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