Waterfall Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Waterfall Bank of Clearwater, FL against its peer group of 2757 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.04% | 1.25% | -1.21% | 4th bottom |
| ROAE | 0.30% | 12.22% | -11.92% | 4th bottom |
| Net Interest Margin | 3.40% | 3.95% | -0.55% | 23rd bottom |
| Efficiency Ratio | 93.86% | 63.71% | +30.15% | 4th bottom |
| PPNR / Avg Assets | 0.22% | — | — | 3rd bottom |
| Yield on Earning Assets | 6.25% | 5.67% | +0.58% | 78th top |
| Cost of Funds | 3.24% | 1.87% | +1.37% | 3rd bottom |
| Net Interest Spread | 2.64% | — | — | 18th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.03% | 0.88% | -0.85% | 83rd top |
| NPA / Total Assets | 0.02% | — | — | 83rd top |
| NCO / Avg Loans | 0.30% | 0.15% | +0.15% | 9th bottom |
| ACL / Total Loans | 0.83% | — | — | 13th bottom |
| ACL / NPLs (Coverage) | 3165.00% | — | — | — |
| Texas Ratio | 0.18% | 5.96% | -5.78% | 83rd top |
| Provision / NCO | 58.95% | — | — | 33rd below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.45% | 17.18% | -3.73% | 33rd below |
| Tier 1 Ratio | 13.45% | 17.21% | -3.76% | 33rd below |
| Total Capital Ratio | 14.27% | — | — | 30th below |
| Leverage Ratio | 12.64% | 11.75% | +0.89% | 71st above |
| Equity / Assets | 12.89% | 10.98% | +1.91% | 77th top |
| TCE / Tangible Assets | 12.89% | — | — | 79th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 115.07% | 80.44% | +34.63% | 2nd bottom |
| Core Deposit Ratio | 84.33% | 86.95% | -2.62% | 28th below |
| Wholesale Funding Ratio | 6.22% | — | — | 30th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 17.10% | — | — | 93rd top |
| Loan Growth (Y/Y) | 31.13% | — | — | 97th top |
| Deposit Growth (Y/Y) | 8.03% | — | — | 75th top |
See Waterfall Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Waterfall Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Waterfall Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Waterfall Bank peer analysis.