Waterfall Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Loan-to-deposit ratio climbed 3.92 percentage points in Q2 2026, from 111.15% to 115.07%. It was the largest change from Q1 2026 among the key lines here. On return on assets, Waterfall Bank is 8th from the bottom among 79 Florida banks, 0.04% (Q2 2026). Against a median of 1.26% for banks in the $100M-1B asset tier, Waterfall Bank reported 0.04% on return on assets in Q2 2026, 1.22 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.45% |
| Tier 1 risk-based capital ratio | 13.45% |
| Total risk-based capital ratio | 14.27% |
| Tier 1 leverage ratio | 12.64% |
| Equity capital to assets | 12.89% |
| Tangible equity to tangible assets | 12.89% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.03% |
| Non-performing assets ratio | 0.02% |
| Net charge-off ratio | 0.30% |
| Texas ratio | 0.18% |
| Allowance for credit losses to loans | 0.83% |
| Reserve coverage of non-performing loans | 3165.00% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.04% |
| Return on equity | 0.30% |
| Net interest margin | 3.40% |
| Efficiency ratio | 93.86% |
| Yield on earning assets | 6.25% |
| Cost of funds | 3.24% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 115.07% |
| Core deposits to total deposits | 84.33% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 80.58% |
| Securities to assets | 2.32% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 28.54% | 28.54% | 29.39% | 25.68% | 0.14% |
| Q4 2023 | 22.65% | 22.65% | 23.38% | 23.65% | 0.08% |
| Q1 2024 | 22.22% | 22.22% | 22.98% | 21.08% | 0.14% |
| Q2 2024 | 20.13% | 20.13% | 20.87% | 19.07% | 0.05% |
| Q3 2024 | 17.19% | 17.19% | 17.88% | 17.19% | 0.39% |
| Q4 2024 | 15.65% | 15.65% | 16.31% | 15.31% | 0.40% |
| Q1 2025 | 15.03% | 15.03% | 15.81% | 13.94% | -0.12% |
| Q2 2025 | 13.54% | 13.54% | 14.29% | 13.09% | 0.39% |
| Q3 2025 | 15.14% | 15.14% | 15.96% | 14.72% | 0.17% |
| Q4 2025 | 13.76% | 13.76% | 14.56% | 13.89% | 0.26% |
| Q1 2026 | 13.04% | 13.04% | 13.86% | 12.93% | -0.11% |
| Q2 2026 | 13.45% | 13.45% | 14.27% | 12.64% | 0.04% |
Waterfall Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Waterfall Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Waterfall Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59265) · FFIEC NIC profile (RSSD 5650923)