Bank Comparison
Incrediblebank vs Waterstone Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
8 · 16
winning metrics across 24 comparable rows
Capital adequacy
| Metric | Incrediblebank | Waterstone Bank |
|---|---|---|
| CET1 Ratio | 10.53% | 19.24% |
| Tier 1 Capital Ratio | 10.53% | 19.24% |
| Total Capital Ratio | 11.64% | 20.26% |
| Tier 1 Leverage Ratio | 8.19% | 15.85% |
| Equity / Assets | 7.67% | 15.05% |
Profitability
| Metric | Incrediblebank | Waterstone Bank |
|---|---|---|
| Return on Assets (ROA) | 1.00% | 1.08% |
| Return on Equity (ROE) | 13.20% | 7.06% |
| Net Interest Margin (NIM) | 3.85% | 2.98% |
| Yield on Earning Assets | 5.88% | 5.55% |
| Cost of Funds | 2.10% | 2.88% |
Asset quality
| Metric | Incrediblebank | Waterstone Bank |
|---|---|---|
| Texas Ratio | 17.85% | 4.07% |
| Non-Performing Loan Ratio | 1.77% | 0.78% |
| Non-Performing Asset Ratio | 1.38% | 0.64% |
| Net Charge-Off Ratio | 0.02% | 0.00% |
| ACL / Loans | 1.10% | 0.97% |
Balance sheet
| Metric | Incrediblebank | Waterstone Bank |
|---|---|---|
| Total Assets | $2,058M | $2,252M |
| Total Deposits | $1,775M | $1,465M |
| Total Loans | $1,533M | $1,828M |
| Total Equity | $157,969K | $339,063K |
| Net Income (quarter) | $5,183K | $5,974K |
Liquidity & funding
| Metric | Incrediblebank | Waterstone Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 86.41% | 124.78% |
| Core Deposit Ratio | 92.93% | 89.62% |
| Uninsured Deposit Ratio | 27.32% | 26.15% |
Identity
| Metric | Incrediblebank | Waterstone Bank |
|---|---|---|
| Headquarters City | WAUSAU | WAUWATOSA |
| Headquarters State | WI | WI |
| Asset Tier | Large | Large |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 19 | 16 |
| Employees (FTE) | 228 | 591 |
| Established | Dec. 8, 1967, midnight | Jan. 1, 1921, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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