Branch Network
Waterfall Bank Locations & Branches Clearwater, Florida
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Waterfall Bank operates 1 branch from its headquarters in Clearwater, FL, .
Waterfall Bank branch network
Its one office is in Clearwater, FLORIDA. It had the same number of branches on June 30, 2025.
Waterfall Bank at a glance
Its CET1 capital ratio was 13.45% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Total assets, Q2 2026
- $409.9M
- CET1 ratio, Q2 2026
- 13.45%
- Deposit insurance
- FDIC
- Regulator
- FDIC
- Established
- 2021
Full financial profile · Is Waterfall Bank safe? · Routing number
Deposit market share
Share of all FDIC-insured deposits held in each area, from the June 30, 2026 Summary of Deposits. Rank 1 is the largest holder. Shares are by bank charter, not by holding company.
| Area | Rank | Deposit share | Deposits |
|---|---|---|---|
| City: Clearwater, FL (1 branch) | 9 of 23 | 4.0% | $330.3M |
| State: FL (1 branch) | 96 of 186 | <0.1% | $330.3M |
Ranked by total assets among banks headquartered in the state: Largest banks in Florida.
Share by county and metro area
Waterfall Bank's share of FDIC-insured deposits in the counties and metro areas where it has branches, from the June 30, 2026 Summary of Deposits. Up to the ten largest of each are shown, by the bank's deposits. Rank 1 is the largest holder. Banks only: credit unions are not in the Summary of Deposits.
Counties
| County | Rank | Deposit share | Deposits | County total |
|---|---|---|---|---|
| Pinellas, FL (1 branch) | 21 of 32 | 0.4% | $330.3M | $73.89B |
Metro areas
| Metro area | Rank | Deposit share | Deposits | Metro total |
|---|---|---|---|---|
| Tampa-St. Petersburg-Clearwater, FL (1 branch) | 29 of 60 | 0.3% | $330.3M | $131.41B |
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Waterfall Bank (main office) | Clearwater, FL | 33756 | $330.3M |
Source: FDIC Summary of Deposits, June 30, 2026. How the survey works.
Regulator records: FDIC BankFind (cert 59265) · FFIEC NIC profile (RSSD 5650923)