Bank Comparison
Waterman Bank vs Atkins Savings Bank & Trust
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
9 · 11
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Waterman Bank | Atkins Savings Bank & Trust |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 13.30% | 11.59% |
| Equity / Assets | 14.83% | 9.10% |
Profitability
| Metric | Waterman Bank | Atkins Savings Bank & Trust |
|---|---|---|
| Return on Assets (ROA) | 0.53% | 1.55% |
| Return on Equity (ROE) | 3.50% | 17.25% |
| Net Interest Margin (NIM) | 4.77% | 3.00% |
| Yield on Earning Assets | 7.48% | 5.38% |
| Cost of Funds | 2.86% | 2.65% |
Asset quality
| Metric | Waterman Bank | Atkins Savings Bank & Trust |
|---|---|---|
| Texas Ratio | 11.55% | 2.40% |
| Non-Performing Loan Ratio | 2.34% | 0.17% |
| Non-Performing Asset Ratio | 1.52% | 0.12% |
| Net Charge-Off Ratio | 0.25% | -0.01% |
| ACL / Loans | 0.55% | 1.17% |
Balance sheet
| Metric | Waterman Bank | Atkins Savings Bank & Trust |
|---|---|---|
| Total Assets | $172,363K | $172,336K |
| Total Deposits | $143,255K | $147,170K |
| Total Loans | $112,049K | $124,122K |
| Total Equity | $25,569K | $15,675K |
| Net Income (quarter) | $223 | $672 |
Liquidity & funding
| Metric | Waterman Bank | Atkins Savings Bank & Trust |
|---|---|---|
| Loan-to-Deposit Ratio | 78.22% | 84.34% |
| Core Deposit Ratio | 93.12% | 86.93% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Waterman Bank | Atkins Savings Bank & Trust |
|---|---|---|
| Headquarters City | WATERMAN | ATKINS |
| Headquarters State | IL | IA |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 3 | 1 |
| Employees (FTE) | 48 | 12 |
| Established | Aug. 25, 1908, midnight | April 15, 1915, 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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