Waterman Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Waterman Bank of Waterman, IL against its peer group of 2672 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 | 0.42% | 1.34% | -0.92% | 11th bottom |
| ROAE | 2.85% | 13.32% | -10.47% | 9th bottom |
| Net Interest Margin | 4.58% | 3.93% | +0.65% | 82nd top |
| Efficiency Ratio | 84.11% | 61.14% | +22.97% | 10th bottom |
| PPNR / Avg Assets | 0.75% | 1.68% | -0.93% | 14th bottom |
| Yield on Earning Assets | 7.25% | 5.67% | +1.58% | 97th top |
| Cost of Funds | 2.89% | 1.88% | +1.01% | 7th bottom |
| Net Interest Spread | 4.19% | 3.32% | +0.87% | 89th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.39% | 0.94% | +1.45% | 10th bottom |
| NPA / Total Assets | 1.73% | 0.70% | +1.03% | 10th bottom |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 0.53% | 1.28% | -0.75% | 3rd bottom |
| ACL / NPLs (Coverage) | 22.30% | 1538.95% | -1516.65% | 2nd bottom |
| Texas Ratio | 13.09% | 7.33% | +5.76% | 15th bottom |
| Provision / NCO Behind the peer average, ahead of the median peer. | 182.26% | 1395.80% | -1213.54% | 56th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 13.20% | 12.14% | +1.06% | 76th top |
| Equity / Assets | 14.82% | 11.37% | +3.45% | 88th top |
| TCE / Tangible Assets | 13.09% | 11.09% | +2.00% | 81st top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 87.00% | 80.64% | +6.36% | 35th below |
| Core Deposit Ratio | 93.42% | 86.86% | +6.56% | 76th top |
| Wholesale Funding Ratio | 1.01% | 5.03% | -4.02% | 81st top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.13% | 6.85% | -0.72% | 63rd above |
| Loan Growth (Y/Y) | 13.52% | 7.90% | +5.62% | 83rd top |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.24% | 6.29% | -0.05% | 66th above |
See Waterman Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Waterman 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 Waterman Bank profile, how to read a UBPR, or how this data updates.