Bank call report · Clearwater, FL
Waterfall Bank Call Report
BankRegReports is independent of Waterfall Bank and never asks for online banking logins or passwords.
Waterfall Bank filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 051. Below are its 251 reported line items, schedule by schedule (799 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 051 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 5650923 |
| FDIC certificate number | 59265 |
| Total assets | $409.9M |
Official Q2 2026 call report PDF (FFIEC) →
Waterfall Bank call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 051.
Schedule RC: Balance Sheet (22 items)
About Schedule RC · Waterfall Bank balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $409.9M |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $409.9M |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $380.1M |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $376.9M |
| Total Liabilities and Minority Interest | RCON2948 | $357.1M |
| Total Deposits | RCON2200 | $330.3M |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $295.8M |
| Total Equity Capital | RCON3210 | $52.8M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $52.8M |
| Deposits: Noninterest-bearing | RCON6631 | $34.6M |
| Surplus | RCON3839 | $32.8M |
| Other Borrowed Money | RCON3190 | $25.5M |
| Common Stock | RCON3230 | $22.5M |
| Interest-bearing Balances | RCON0071 | $10.1M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $9.5M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $6.8M |
| Other Assets | RCON2160 | $4.2M |
| Allowance for Loan and Lease Losses | RCON3123 | $3.2M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $2.3M |
| Undivided Profits and Capital Reserves | RCON3632 | -$1.8M |
| Other Liabilities, Total | RCON2930 | $1.3M |
| Accumulated Other Comprehensive Income | RCONB530 | -$743K |
Schedule RI: Income Statement (35 items)
About Schedule RI · Waterfall Bank income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $12.6M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $12.1M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $9.1M |
| Total Noninterest Expense | RIAD4093 | $6.7M |
| Net Interest Income | RIAD4074 | $6.7M |
| Total Interest Expense | RIAD4073 | $5.9M |
| Salaries and Employee Benefits | RIAD4135 | $4.4M |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $2.8M |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $2.1M |
| Other Noninterest Expense | RIAD4092 | $1.9M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $1.1M |
| Savings Deposits (Including Mmdas) | RIAD0093 | $944K |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $914K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $760K |
| Expenses of Premises and Fixed Assets | RIAD4217 | $410K |
| Provision for Loan and Lease Losses | RIAD4230 | $393K |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | $392K |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $333K |
| Other Interest Expense | RIADGW44 | $315K |
| Total Noninterest Income | RIAD4079 | $313K |
| Other Noninterest Income | RIADB497 | $196K |
| Net Gains (Losses) on Sales of Loans | RIAD5416 | $106K |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $105K |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | -$82K |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | -$82K |
| Income (Loss) Before Discontinued Operations | RIAD4300 | -$70K |
| Net Income (Loss) | RIAD4340 | -$70K |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | -$70K |
| Other Interest Income | RIAD4518 | $40K |
| Interest on Other Securities | RIAD4060 | $28K |
| Expense of Federal Funds Purchased and Securities Sold Under Agreements to Repurchase | RIAD4180 | $16K |
| Applicable Income Taxes | RIAD4302 | -$12K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADB486 | $11K |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $11K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 49 |
Schedule RC-B: Securities (9 items)
About Schedule RC-B · Waterfall Bank securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $10.5M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Amortized Cost | RCONHT56 | $7.5M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Fair Value | RCONHT57 | $6.7M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over 15 Years | RCONA560 | $6.2M |
| Amortized Cost of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8498 | $3.0M |
| Fair Value of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8499 | $2.8M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA552 | $2.8M |
| Pledged Securities | RCON0416 | $920K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through 15 Years | RCONA559 | $535K |
Schedule RC-C, Part I: Loans and Leases (26 items)
About Schedule RC-C, Part I · Waterfall Bank loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $380.1M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $182.9M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $153.4M |
| Pledged Loans and Leases | RCONG378 | $142.5M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA570 | $81.9M |
| Commercial and Industrial Loans | RCON1766 | $62.6M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA572 | $51.5M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA574 | $46.4M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $41.8M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $37.6M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $33.4M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $28.9M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $25.7M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $18.0M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $16.2M |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $10.1M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $8.8M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $5.7M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA569 | $1.9M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $1.1M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA568 | $1.1M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA565 | $513K |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $249K |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $76K |
| Unearned Income on Loans | RCON2123 | $20K |
| Other Loans | RCONJ464 | $1K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (10 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5569 | $18.3M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5575 | $9.9M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5573 | $616K |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $417K |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5567 | $142K |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 30 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5574 | 26 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 13 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5572 | 6 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 1 |
Schedule RC-E: Deposit Liabilities (22 items)
About Schedule RC-E · Waterfall Bank deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Transaction Accounts | RCON2215 | $190.1M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $190.1M |
| Total Demand Deposits (See Note Below) | RCON2210 | $155.6M |
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $140.2M |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $140.2M |
| Total reciprocal deposits | RCONJH83 | $65.4M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $57.6M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $51.8M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $48.3M |
| Sweep deposits: Fully insured, non-affiliate sweep deposits | RCONMT91 | $41.0M |
| Total sweep deposits that are not brokered deposits | RCONMT95 | $41.0M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK12 | $29.7M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $21.5M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $19.9M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $18.6M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $10.9M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $9.3M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $9.1M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK14 | $3.4M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $515K |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $313K |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $24K |
Schedule RC-F: Other Assets (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $1.8M |
| Accrued Interest Receivable | RCONB556 | $1.2M |
| Net Deferred Tax Assets | RCON2148 | $871K |
| Other Assets | RCON2168 | $431K |
| Computer Software | RCONFT33 | $294K |
| Prepaid Expenses | RCON2166 | $123K |
Schedule RC-G: Other Liabilities (4 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Other Expenses Accrued and Unpaid | RCON3646 | $906K |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $188K |
| All Other Liabilities | RCON2938 | $144K |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCONB557 | $35K |
Schedule RC-K: Quarterly Averages (15 items)
About Schedule RC-K · Waterfall Bank quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $419.0M |
| Quarterly Average of Total Loans | RCON3360 | $381.6M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $291.9M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $166.6M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $62.0M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $59.0M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $54.9M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $37.2M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $27.4M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $18.2M |
| Quarterly Average of Other Borrowed Money | RCON3355 | $8.5M |
| Mortgage-backed Securities | RCONB559 | $7.5M |
| All Other Securities | RCONB560 | $3.0M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $333K |
| Quarterly Average of Federal Funds Purchased and Securities Sold Under Agreements to Repurchase | RCON3353 | $1K |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (6 items)
About Schedule RC-L · Waterfall Bank derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $29.6M |
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $10.6M |
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $7.0M |
| Commercial and Similar Letters of Credit | RCON3411 | $804K |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $407K |
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $83K |
Schedule RC-M: Memoranda (4 items)
About Schedule RC-M · Waterfall Bank memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $25.5M |
| FHLB Advances (Loans) Due in One Year or Less | RCON2651 | $25.5M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of One Year or Less | RCONF055 | $25.5M |
| Number of Executive Officers, Directors, and Principal Shareholders to Whom the Amount of All Extensions of Credit by the Reporting Bank (Including Extensions of Credit to Related Interests) Equals or Exceeds the Lesser of $500,000 or 5 Percent of Total Capital as Defined for This Purpose in Agency Regulations | RCON6165 | 3 |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (3 items)
About Schedule RC-N · Waterfall Bank past due and nonaccrual loans, leases, and other assets trends
Schedule RC-O: Other Data for Deposit Insurance Assessments (10 items)
About Schedule RC-O · Waterfall Bank other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $419.0M |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $330.5M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $267.1M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $62.9M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $53.6M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $515K |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 1,471 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 256 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 10 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-R: Regulatory Capital (1 item)
About Schedule RC-R · Waterfall Bank regulatory capital trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets Before Deductions for Excess Allowance for Loan and Lease Losses and Allocated Transfer Risk Reserve - 100% | RCONB704 | $393.2M |
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (23 items)
About Schedule RC-R, Part I · Waterfall Bank regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average total consolidated assets | RCOAKW03 | $419.0M |
| Average Total Assets (Net of Deductions) | RCOAA224 | $418.3M |
| Risk-weighted Assets (Net of Allowances and Other Deductions) | RCOAA223 | $393.2M |
| Total Qualifying Capital Allowable Under the Risk-based Capital Guidelines | RCOA3792 | $56.1M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $55.3M |
| Common Equity Tier 1 Capital | RCOAP859 | $52.9M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $52.9M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $52.9M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $52.8M |
| General Loan and Lease Valuation Allowances | RCOA5310 | $3.2M |
| Tier 2 (Supplementary) Capital | RCOA5311 | $3.2M |
| Tier 2 Capital Before Deductions | RCOAP870 | $3.2M |
| Retained Earnings | RCOAKW00 | -$1.8M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$743K |
| Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP844 | -$743K |
| Deferred Tax Assets (DTAS) That Arise from Net Operating Loss and Tax Credit Carryforwards, Net of Any Related Valuation Allowances and Net of Dtls | RCOAP843 | $673K |
| Less: Deductions from Common Equity Tier 1 Capital and Additional Tier 1 Capital (Sum of Items 6, 7, 8, 10.B, 11, 13 Through 17 and Certain Elements of Item 24 - See Instructions) | RCOAP875 | $673K |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Total Risk-based Capital Ratio | RCOA7205 | 0.1427 |
| Common Equity Tier 1 Capital Ratio | RCOAP793 | 0.1345 |
| Tier 1 Risk-based Capital Ratio | RCOA7206 | 0.1345 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.1264 |
| Institution-specific Capital Buffer Necessary to Avoid Limitations on Distributions and Discretionary Bonus Payments: Capital Conservation Buffer | RCOAH311 | 0.0627 |
Schedule RC-R, Part II: Risk-Weighted Assets (44 items)
About Schedule RC-R, Part II · Waterfall Bank risk-weighted assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets for Purposes of Calculating the Allowance for Loan and Lease Losses 1.25 Percent Threshold | RCONS580 | $393.2M |
| Total Risk-weighted Assets | RCONG641 | $393.2M |
| Risk-weighted Assets by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG637 | $370.4M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG633 | $370.4M |
| Total Balance Sheet Assets - 100 Pct Risk Weight Category | RCOND990 | $364.2M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 100 Pct Risk Weight Category | RCONS462 | $345.3M |
| Total Loans and Leases, Net of Unearned Income, All Other Exposures | RCONS457 | $345.3M |
| Total Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures | RCONS439 | $28.1M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG632 | $21.0M |
| Total Balance Sheet Assets - 50 Pct Risk Weight Category | RCOND989 | $21.0M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS442 | $18.0M |
| Total Cash and Balances Due from Depository Institutions | RCOND957 | $12.5M |
| Unconditionally Cancellable Commitments | RCONS540 | $12.0M |
| Unused Commitments, Original Maturity Exceeding One Year - Face, Notional, or Other Amount | RCONG624 | $12.0M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG631 | $11.1M |
| Total Balance Sheet Assets - 20 Pct Risk Weight Category | RCOND988 | $11.1M |
| Total All Other Assets | RCOND981 | $11.0M |
| Risk-weighted Assets by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG636 | $10.5M |
| Cash and Balances Due from Depository Institutions - 0 Pct Risk Weight Category | RCOND958 | $10.3M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 0 Pct Risk Weight Category | RCONG630 | $10.3M |
| Total Balance Sheet Assets - 0 Pct Risk Weight Category | RCOND987 | $10.3M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 100 Pct Risk Weight Category | RCONS443 | $10.1M |
| Risk-weighted Assets by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS572 | $10.1M |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes, Total Fair Value | RCONJA21 | $9.5M |
| All Other Assets - 100 Pct Risk Weight Category | RCOND985 | $8.8M |
| Available-for-sale Securities - 20 Pct Risk Weight Category | RCOND968 | $7.5M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS561 | $6.7M |
| Total Balance Sheet Assets - 150 Pct Risk Weight Category | RCONS503 | $6.7M |
| Loans and Leases, Net of Unearned Income, High Volatility Commercial Real Estate Exposures - 150 Pct Risk Weight Category | RCONS447 | $6.6M |
| Total Loans and Leases, Net of Unearned Income, High Volatility Commercial Real Estate Exposures | RCONS445 | $6.6M |
| Unused Commitments, Original Maturity Exceeding One Year - 100 Pct Risk Weight Category | RCONG629 | $6.0M |
| Unused Commitments, Original Maturity Exceeding One Year - Credit Equivalent Amount | RCONG625 | $6.0M |
| Total Balance Sheet Assets - Adjustments to Total Reported in Column a | RCONS500 | -$3.4M |
| Available-for-sale Securities - 50 Pct Risk Weight Category | RCOND969 | $3.0M |
| Risk-weighted Assets by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG635 | $2.2M |
| Cash and Balances Due from Depository Institutions - 20 Pct Risk Weight Category | RCOND959 | $2.1M |
| All Other Assets - 20 Pct Risk Weight Category | RCOND983 | $1.5M |
| Available-for-sale Securities - Adjustment to Totals Reported in Column a | RCONS402 | -$941K |
| Commercial and Similar Letters of Credit with an Original Maturity of One Year or Less - Face, Notional, or Other Amount | RCONG606 | $804K |
| All Other Assets - Adjustments to Totals Reported in Column a | RCONS469 | $673K |
| Commercial and Similar Letters of Credit with an Original Maturity of One Year or Less - 100 Pct Risk Weight Category | RCONG611 | $161K |
| Commercial and Similar Letters of Credit with an Original Maturity of One Year or Less - Credit Equivalent Amount | RCONG607 | $161K |
| Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual - 150 Pct Risk Weight Category | RCONS455 | $100K |
| Total Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual | RCONS449 | $100K |
Schedule RI-A: Changes in Bank Equity Capital (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Balance End of Previous Calendar Year as Restated | RIADB508 | $52.9M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $52.9M |
| Total Equity Capital | RIAD3210 | $52.8M |
| Other Comprehensive Income | RIADB511 | -$54K |
| Sale, Conversion, Acquisition, or Retirement of Capital Stock, Net (Excluding Treasury Stock Transactions) | RIADB509 | $33K |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (2 items)
About Schedule RI-B, Part I · Waterfall Bank charge-offs and recoveries on loans and leases trends
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (4 items)
About Schedule RI-B, Part II · Waterfall Bank changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Allowance for Loan and Lease Losses | RIAD3123 | $3.2M |
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $3.1M |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $285K |
| Provisions for credit losses on off-balance-sheet exposures | RIADMG93 | -$1K |
Waterfall Bank call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the Waterfall Bank call report?
The Waterfall Bank call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does Waterfall Bank file?
Waterfall Bank files the FFIEC 051. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the Waterfall Bank call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: Waterfall Bank has Federal Reserve RSSD ID 5650923 and FDIC certificate number 59265. Either one finds its filings on the FFIEC Central Data Repository.
How often does Waterfall Bank file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
Waterfall Bank financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 59265) · FFIEC NIC profile (RSSD 5650923)