WATERMAN BANK

WATERMAN, IL | Small | Est. Aug. 25, 1908, midnight | FDIC #10878 | RSSD #604640 | FDIC
Latest Report: 2025-12-31

WATERMAN BANK is asn small FDIC-insured commercial bank headquartered in WATERMAN, IL, established in Aug. 25, 1908, midnight. As of 2025-12-31, the bank reported total assets of $167M and total deposits of $138M. Profitability stands at 0.70% ROA and 4.61% ROE, with a net interest margin of 5.01%. The bank's CET1 capital ratio is 19.28%, 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 #10878.

Assets

$167M

Deposits

$138M

Loans

$117M

Equity

$25M

Profitability

Return on Assets (ROA) 0.70%
Return on Equity (ROE) 4.61%
Net Interest Margin (NIM) 5.01%
Yield on Assets 7.73%
Cost of Funds 2.98%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.23%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 0.53%

Capital & Liquidity

CET1 Ratio 19.28%
Tier 1 Capital 19.28%
Total Capital Ratio 19.86%
Leverage Ratio 13.39%
Loan-to-Deposit 84.88%

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