Branch Network
Waterman Bank Locations & Branches Waterman, Illinois
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Waterman Bank operates 3 branches from its headquarters in Waterman, IL, .
Waterman Bank branch network
All 3 branches are in ILLINOIS, across 3 cities. Its largest office by deposits is its main office in Waterman, IL, with $97.4M (67.5% of its branch deposits). It had the same number of branches on June 30, 2025.
Waterman Bank at a glance
It reports no CET1 ratio; its Tier 1 leverage ratio was 13.20% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Total assets, Q2 2026
- $173.6M
- Tier 1 leverage ratio, Q2 2026
- 13.20%
- Deposit insurance
- FDIC
- Regulator
- FDIC
- Latest call report
- Q2 2026, FFIEC 051
- Established
- 1908
Full financial profile · Is Waterman Bank safe? · Waterman Bank call report · 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: Waterman, IL (1 branch) | 1 of 2 | 86.8% | $97.4M |
| State: IL (3 branches) | 255 of 379 | <0.1% | $144.3M |
Ranked by total assets among banks headquartered in the state: Largest banks in Illinois.
Share by county and metro area
Waterman 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 |
|---|---|---|---|---|
| Dekalb, IL (1 branch) | 6 of 9 | 3.3% | $97.4M | $2.98B |
| Kane, IL (1 branch) | 25 of 31 | 0.3% | $41.2M | $15.47B |
| Cook, IL (1 branch) | 85 of 89 | <0.1% | $5.7M | $463.76B |
Metro areas
| Metro area | Rank | Deposit share | Deposits | Metro total |
|---|---|---|---|---|
| Chicago-Naperville-Elgin, IL-IN-WI (3 branches) | 108 of 150 | <0.1% | $144.3M | $632.03B |
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Waterman Bank (main office) | Waterman, IL | 60556 | $97.4M |
| Montgomery Branch | Montgomery, IL | 60538 | $41.2M |
| Waterman Bank Branch | Chicago, IL | 60622 | $5.7M |
Source: FDIC Summary of Deposits, June 30, 2026. How the survey works.
Regulator records: FDIC BankFind (cert 10878) · FFIEC NIC profile (RSSD 604640)