Bank Comparison
Waterstone Bank vs Central Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
14 · 10
winning metrics across 24 comparable rows
Capital adequacy
| Metric | Waterstone Bank | Central Bank |
|---|---|---|
| CET1 Ratio | 19.24% | 10.51% |
| Tier 1 Capital Ratio | 19.24% | 10.51% |
| Total Capital Ratio | 20.26% | 11.46% |
| Tier 1 Leverage Ratio | 15.85% | 9.99% |
| Equity / Assets | 15.05% | 10.35% |
Profitability
| Metric | Waterstone Bank | Central Bank |
|---|---|---|
| Return on Assets (ROA) | 1.08% | 0.84% |
| Return on Equity (ROE) | 7.06% | 8.11% |
| Net Interest Margin (NIM) | 2.98% | 3.47% |
| Yield on Earning Assets | 5.55% | 5.54% |
| Cost of Funds | 2.88% | 2.23% |
Asset quality
| Metric | Waterstone Bank | Central Bank |
|---|---|---|
| Texas Ratio | 4.07% | 4.26% |
| Non-Performing Loan Ratio | 0.78% | 0.19% |
| Non-Performing Asset Ratio | 0.64% | 0.17% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 0.97% | 1.01% |
Balance sheet
| Metric | Waterstone Bank | Central Bank |
|---|---|---|
| Total Assets | $2,252M | $2,249M |
| Total Deposits | $1,465M | $1,887M |
| Total Loans | $1,828M | $1,974M |
| Total Equity | $339,063K | $232,844K |
| Net Income (quarter) | $5,974K | $4,702K |
Liquidity & funding
| Metric | Waterstone Bank | Central Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 124.78% | 104.63% |
| Core Deposit Ratio | 89.62% | 86.37% |
| Uninsured Deposit Ratio | 26.15% | 25.77% |
Identity
| Metric | Waterstone Bank | Central Bank |
|---|---|---|
| Headquarters City | WAUWATOSA | STORM LAKE |
| Headquarters State | WI | IA |
| Asset Tier | Large | Large |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FED |
| Domestic Branches | 16 | 23 |
| Employees (FTE) | 591 | 311 |
| Established | Jan. 1, 1921, midnight | Jan. 1, 1879, 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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