Bank call report · Waterman, IL
Waterman Bank Call Report
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Waterman Bank filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 051. Below are its 231 reported line items, schedule by schedule (462 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 | 604640 |
| FDIC certificate number | 10878 |
| Total assets | $173.6M |
Official Q2 2026 call report PDF (FFIEC) →
Waterman 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 (25 items)
About Schedule RC · Waterman Bank balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $173.6M |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $173.6M |
| Total Liabilities and Minority Interest | RCON2948 | $147.9M |
| Total Deposits | RCON2200 | $144.3M |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $136.5M |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $117.1M |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $116.4M |
| Interest-bearing Balances | RCON0071 | $28.2M |
| Total Equity Capital | RCON3210 | $25.7M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $25.7M |
| Surplus | RCON3839 | $21.0M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $10.6M |
| Loans and Leases Held for Sale | RCON5369 | $8.5M |
| Deposits: Noninterest-bearing | RCON6631 | $7.9M |
| Undivided Profits and Capital Reserves | RCON3632 | $4.5M |
| Intangible Assets | RCON2143 | $3.5M |
| Other Assets | RCON2160 | $3.4M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $2.3M |
| Goodwill | RCON3163 | $2.2M |
| Other Liabilities, Total | RCON2930 | $1.8M |
| Other Borrowed Money | RCON3190 | $1.7M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $907K |
| Allowance for Loan and Lease Losses | RCON3123 | $670K |
| Common Stock | RCON3230 | $300K |
| Accumulated Other Comprehensive Income | RCONB530 | -$66K |
Schedule RI: Income Statement (37 items)
About Schedule RI · Waterman Bank income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $5.7M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $4.8M |
| Total Noninterest Expense | RIAD4093 | $4.1M |
| Net Interest Income | RIAD4074 | $3.6M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $2.6M |
| Salaries and Employee Benefits | RIAD4135 | $2.3M |
| Total Interest Expense | RIAD4073 | $2.1M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $1.6M |
| Savings Deposits (Including Mmdas) | RIAD0093 | $1.5M |
| Other Noninterest Expense | RIAD4092 | $1.5M |
| Total Noninterest Income | RIAD4079 | $1.3M |
| Net Gains (Losses) on Sales of Loans | RIAD5416 | $1.2M |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $645K |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $584K |
| 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 | $584K |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $406K |
| Net Income (Loss) | RIAD4340 | $406K |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $406K |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $370K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $329K |
| Expenses of Premises and Fixed Assets | RIAD4217 | $259K |
| Interest and Fee Income on All Other Loans in Domestic Offices | RIAD4058 | $235K |
| Interest and Fee Income on Loans to Finance Agricultural Production and Other Loans to Farmers in Domestic Offices | RIAD4024 | $233K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $183K |
| Applicable Income Taxes | RIAD4302 | $178K |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $164K |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | $147K |
| Provision for Loan and Lease Losses | RIAD4230 | $113K |
| Amortization Expense and Impairment Losses Intangible Assets | RIADC232 | $104K |
| Other Noninterest Income | RIADB497 | $60K |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $36K |
| Interest on Other Securities | RIAD4060 | $35K |
| Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. | RIAD4507 | $26K |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $14K |
| 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 | $13K |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $13K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 48 |
Schedule RC-B: Securities (19 items)
About Schedule RC-B · Waterman Bank securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $10.6M |
| Pledged Securities | RCON0416 | $8.5M |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $4.9M |
| 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 Months Through 12 Months | RCONA550 | $4.6M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost | RCONHT52 | $4.1M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value | RCONHT53 | $4.1M |
| Amortized Cost of Available-for-sale U.S. Treasury Securities | RCON1286 | $4.0M |
| Fair Value of Available-for-sale U.S. Treasury Securities | RCON1287 | $4.0M |
| 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 One Year Through Three Years | RCONA551 | $2.9M |
| 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 | $1.8M |
| Amortized Cost of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8498 | $1.5M |
| Fair Value of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8499 | $1.5M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Amortized Cost | RCONHT56 | $1.1M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Fair Value | RCONHT57 | $1.0M |
| 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 | $608K |
| 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 Three Months of Less | RCONA549 | $243K |
| 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 Three Years Through Five Years | RCONA558 | $202K |
| 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 One Year Through Three Years | RCONA557 | $141K |
| 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 Three Months Through 12 Months | RCONA556 | $52K |
Schedule RC-C, Part I: Loans and Leases (28 items)
About Schedule RC-C, Part I · Waterman Bank loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $125.6M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $48.3M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $35.7M |
| 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 | $31.8M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $25.8M |
| 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 15 Years | RCONA569 | $22.5M |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $22.0M |
| 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 | $20.2M |
| 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 | $15.2M |
| 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 | $14.8M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $10.7M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $9.9M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $9.5M |
| 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 | $6.6M |
| Loans to Finance Agricultural Production and Other Loans to Farmers | RCON1590 | $6.6M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $6.5M |
| 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 | $5.6M |
| Commercial and Industrial Loans | RCON1766 | $5.6M |
| 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 | $4.9M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $2.5M |
| 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 | $1.7M |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty That Are in Compliance with Their Modified Terms | RCONHK25 | $767K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty and in Compliance with Modified Terms: Loans Secured by 1-4 Family Residential Properties in Domestic Offices | RCONF576 | $559K |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $336K |
| Real Estate Loans Secured by Farmland | RCON1420 | $297K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty - Construction, Land Development, and Other Land Loans: Secured by Nonfarm Nonresidential Properties: Loans Secured by Other Nonfarm Nonresidential Properties | RCONK162 | $208K |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $91K |
| 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 | $74K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (18 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 | $8.3M |
| 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 | $1.0M |
| 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 | $888K |
| 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 | $539K |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5581 | $297K |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $206K |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $170K |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5589 | $66K |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5585 | $39K |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 20 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 11 |
| 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 | 9 |
| 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 | 5 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 5 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 4 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5580 | 2 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5584 | 1 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5588 | 1 |
Schedule RC-E: Deposit Liabilities (23 items)
About Schedule RC-E · Waterman Bank deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $119.6M |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $115.6M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $47.7M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $43.5M |
| Total Transaction Accounts | RCON2215 | $24.7M |
| Total Demand Deposits (See Note Below) | RCON2210 | $24.6M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $23.7M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $18.0M |
| 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 | $10.8M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $9.8M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $9.5M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $9.2M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $9.1M |
| 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 | $7.2M |
| 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 | $4.9M |
| 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 | $4.4M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $4.0M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $3.1M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $1.7M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $1.0M |
| 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 | $847K |
| 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 Years | RCONHK15 | $267K |
| 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 Years | RCONHK10 | $33K |
Schedule RC-F: Other Assets (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Life Insurance Assets: General Account Life Insurance Assets | RCONK201 | $1.4M |
| Accrued Interest Receivable | RCONB556 | $1.0M |
| Other Assets | RCON2168 | $376K |
| Prepaid Expenses | RCON2166 | $331K |
| Net Deferred Tax Assets | RCON2148 | $329K |
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $269K |
Schedule RC-G: Other Liabilities (4 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Other Expenses Accrued and Unpaid | RCON3646 | $1.2M |
| All Other Liabilities | RCON2938 | $361K |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $127K |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCONB557 | $72K |
Schedule RC-K: Quarterly Averages (16 items)
About Schedule RC-K · Waterman Bank quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $172.8M |
| Quarterly Average of Total Loans | RCON3360 | $109.8M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $90.5M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $52.6M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $42.2M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $36.9M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $18.8M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $16.6M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $10.3M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $8.1M |
| Quarterly Average of Loans to Finance Agricultural Production and Other Loans to Farmers | RCON3386 | $6.6M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $5.7M |
| Quarterly Average of Other Borrowed Money | RCON3355 | $1.7M |
| All Other Securities | RCONB560 | $1.5M |
| Mortgage-backed Securities | RCONB559 | $1.1M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $443K |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (5 items)
About Schedule RC-L · Waterman Bank derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $5.1M |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $4.6M |
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $2.6M |
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $2.5M |
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $1.3M |
Schedule RC-M: Memoranda (3 items)
About Schedule RC-M · Waterman Bank memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of Over Three Through Five Years | RCONF057 | $1.5M |
| All other intangible assets | RCONJF76 | $1.3M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONF056 | $225K |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (5 items)
About Schedule RC-N · Waterman Bank past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Additions to Nonaccrual Assets | RCONC410 | $2.2M |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, Nonaccrual | RCONF182 | $2.2M |
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $2.2M |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC236 | $22K |
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $22K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (12 items)
About Schedule RC-O · Waterman Bank other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $172.8M |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $144.5M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $75.4M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $66.0M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $22.3M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $2.7M |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $360K |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 2,624 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 108 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 95 |
| Averaging Method Used | RCONK653 | 1 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 1 |
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (20 items)
About Schedule RC-R, Part I · Waterman Bank regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCOA2170 | $173.6M |
| Average total consolidated assets | RCOAKW03 | $172.8M |
| Average Total Assets (Net of Deductions) | RCOAA224 | $169.3M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $25.7M |
| Common Equity Tier 1 Capital | RCOAP859 | $22.3M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $22.3M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $22.3M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $21.3M |
| Off-balance sheet exposures: Unused portion of conditionally cancellable commitments | RCOAKX79 | $16.1M |
| Total off-balance sheet exposures (sum of items 34.a through 34.c) Report as a dollar amount in Column A and as a percentage of total assets (25% limit) in Column B | RCOAKX82 | $16.1M |
| Retained Earnings | RCOAKW00 | $4.5M |
| 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 | $3.5M |
| Goodwill Net of Associated Deferred Tax Liabilities (Dtls) | RCOAP841 | $2.2M |
| Intangible Assets (Other Than Goodwill and Mortgage Servicing Assets (Msas)), Net of Associated Dtls | RCOAP842 | $1.3M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$66K |
| 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 | -$66K |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Do you qualify for and opt-in to CBLR? | RCOALE74 | 1 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.132 |
| Total off-balance sheet exposures (sum of items 15a through 15.c) | RCOAKX83 | 0.093 |
Schedule RI-A: Changes in Bank Equity Capital (4 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $25.7M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $25.4M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $25.4M |
| Other Comprehensive Income | RIADB511 | -$66K |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (2 items)
About Schedule RI-B, Part I · Waterman 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 · Waterman Bank changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Allowance for Loan and Lease Losses | RIAD3123 | $670K |
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $619K |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $62K |
| Provisions for credit losses on off-balance-sheet exposures | RIADMG93 | $34K |
Waterman 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 Waterman Bank call report?
The Waterman 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 Waterman Bank file?
Waterman 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 Waterman Bank call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: Waterman Bank has Federal Reserve RSSD ID 604640 and FDIC certificate number 10878. Either one finds its filings on the FFIEC Central Data Repository.
How often does Waterman 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.
Waterman 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 10878) · FFIEC NIC profile (RSSD 604640)