Waterman 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 8.79 percentage points in Q2 2026, from 78.22% to 87.00%. It was the largest change from Q1 2026 among the key lines here. Waterman Bank ranks 282nd of 323 Illinois banks on return on assets, in the lower half at 0.42% (Q2 2026). Against a median of 1.25% for banks in the $100M-1B asset tier, Waterman Bank reported 0.42% on return on assets in Q2 2026, 0.83 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 13.20% |
| Equity capital to assets | 14.82% |
| Tangible equity to tangible assets | 13.09% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.39% |
| Non-performing assets ratio | 1.73% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 13.09% |
| Allowance for credit losses to loans | 0.53% |
| Reserve coverage of non-performing loans | 22.30% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.42% |
| Return on equity | 2.85% |
| Net interest margin | 4.58% |
| Efficiency ratio | 84.11% |
| Yield on earning assets | 7.25% |
| Cost of funds | 2.89% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 87.00% |
| Core deposits to total deposits | 93.42% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 83.14% |
| Securities to assets | 6.08% |
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 | 19.40% | 19.40% | 19.86% | 12.28% | 0.47% |
| Q4 2023 | 18.42% | 18.42% | 18.90% | 13.17% | 1.17% |
| Q1 2024 | 18.24% | 18.24% | 18.74% | 13.56% | 0.28% |
| Q2 2024 | 18.01% | 18.01% | 18.54% | 13.43% | 0.97% |
| Q3 2024 | 18.07% | 18.07% | 18.65% | 13.53% | 1.01% |
| Q4 2024 | 18.61% | 18.61% | 19.23% | 13.81% | 0.62% |
| Q1 2025 | 22.95% | 22.95% | 23.48% | 13.52% | 0.31% |
| Q2 2025 | 20.82% | 20.82% | 21.36% | 13.15% | 0.39% |
| Q3 2025 | 21.04% | 21.04% | 21.62% | 13.38% | 0.58% |
| Q4 2025 | 19.28% | 19.28% | 19.86% | 13.39% | 0.70% |
| Q1 2026 | — | — | — | 13.30% | 0.53% |
| Q2 2026 | — | — | — | 13.20% | 0.42% |
Waterman Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Waterman 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 Waterman Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10878) · FFIEC NIC profile (RSSD 604640)