Banks WATERMAN BANK

WATERMAN BANK

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

WATERMAN BANK is an 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%. CET1 capital ratio: 19.28%, well above regulatory minimums. NPL ratio: 0.00% · Texas Ratio: 0.00%.

Assets
$167M
Deposits
$138M
Loans
$117M
Equity
$25M

Profitability

Return on Assets (ROA)0.70%
Return on Equity (ROE)4.61%
Net Interest Margin5.01%
Yield on Assets7.73%
Cost of Funds2.98%

Asset Quality

NPL Ratio0.00%
Net Charge-Off Ratio0.23%
Texas Ratio0.00%
NPA Ratio0.00%
ACL / Loans0.53%

Capital & Liquidity

CET1 Ratio19.28%
Tier 1 Capital19.28%
Total Capital Ratio19.86%
Leverage Ratio13.39%
Loan-to-Deposit84.88%

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