WATERFALL BANK

CLEARWATER, FL | Small | Est. Sept. 20, 2021, midnight | FDIC #59265 | RSSD #5650923 | FDIC
Latest Report: 2025-12-31

WATERFALL BANK is asn small FDIC-insured commercial bank headquartered in CLEARWATER, FL, established in Sept. 20, 2021, midnight. As of 2025-12-31, the bank reported total assets of $409M and total deposits of $303M. Profitability stands at 0.25% ROA and 1.87% ROE, with a net interest margin of 3.53%. The bank's CET1 capital ratio is 13.76%, 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 #59265.

Assets

$409M

Deposits

$303M

Loans

$354M

Equity

$53M

Profitability

Return on Assets (ROA) 0.25%
Return on Equity (ROE) 1.87%
Net Interest Margin (NIM) 3.53%
Yield on Assets 6.54%
Cost of Funds 3.24%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.00%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 0.86%

Capital & Liquidity

CET1 Ratio 13.76%
Tier 1 Capital 13.76%
Total Capital Ratio 14.56%
Leverage Ratio 13.89%
Loan-to-Deposit 116.87%

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