Watermark Bank
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Data as of · sourced from FFIEC call reports. How we update
Watermark Bank is an FDIC-insured commercial bank headquartered in Oklahoma City, OK, established in 2019 (FDIC certificate 59148), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $450.5M, up 26.7% from Q2 2025, the 59th largest of 169 banks headquartered in Oklahoma. Its CET1 capital ratio was 14.11% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 59148
- Headquarters
- Oklahoma City, OK
- Established
- 2019
- Total assets, Q2 2026
- $450.5M
- Assets vs Q2 2025
- +26.7%
- CET1 ratio, Q2 2026
- 14.11%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 103013376
- Asset rank in state
- 59th of 169 in Oklahoma
Watermark Bank is growing quickly. Based in Oklahoma City, Oklahoma, it had $451 million in assets at June 30, 2026, up 26.7% from a year earlier. It carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 2.6%). It also grew its loan book 26.0% over the year, 4.8 times the median of 5.5% for banks its size.
Earnings jumped: net income for the quarter was $1.6 million, 55% above the same quarter a year earlier. Over the same year, loans grew 26.0% and deposits grew 29.7%. Funding is the softer spot: it pays an average of 2.53% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
As of June 30, 2026, Watermark Bank reported a CET1 capital ratio of 14.11%, a return on assets of 1.49%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Watermark Bank is the 59th largest of the 169 banks headquartered in Oklahoma. From Q1 2026 to Q2 2026, its total assets rose 4.9% to $450.5M, loans rose 6.3% and deposits rose 5.3%. Its loan book on June 30, 2026 was led by commercial and industrial loans, at 38.6% of total loans, followed by 1-4 family residential loans at 16.5%. The FDIC Summary of Deposits lists a single office for it, in Oklahoma City, OK. On its Q2 2026 call report, Watermark Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 6501 N. Classen Boulevard, Suite 300, Oklahoma City, OK 73116
- County
- Oklahoma
- Metro Area
- Oklahoma City, OK
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 22, 2019
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 34
- Domestic deposits
- $387.4M
- Allowance for credit losses
- $4.8M
- Net charge-offs (YTD)
- -$29K
- Average total assets
- $430.9M
- Average total loans
- $370.2M
- Average interest-bearing deposits
- $296.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 22, 2019
- FDIC Cert
- 59148
- Fed RSSD
- 5313312
- Website
- watermark.bank →
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Watermark Bank's total assets ranged from $311.6M (Q3 2023) to $450.5M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$450.5M total assets against $355.5M; $393.6M total liabilities against $304.5M.
$376.2M net loans and leases against $298.5M; $387.4M total deposits against $298.6M.
$9.2M securities against $12.2M; $55.2M cash and balances due against $35.0M.
$6.9M total interest income against $5.9M; $2.3M total interest expense against $2.1M.
$4.6M net interest income against $3.8M.
$259K total noninterest income against $168K; $2.5M total noninterest expense against $2.4M.
$250K provision for credit losses against $141K.
$1.6M net income against $1.0M.
1.49% return on assets against 1.17%; 4.37% net interest margin against 4.35%.
14.11% CET1 capital ratio against 15.74%; 13.29% tier 1 leverage ratio against 14.61%.
Inside the full Watermark Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatermark Bank rankings
Its closest position to the top of a national ranking is 877 of 3,606, for efficiency ratio; its furthest is 3,420 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.14% (Q4 2025) to 1.49% (Q2 2026) and its net interest margin ran from 4.03% (Q3 2024) to 4.44% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.11% | 1.49% | 0.00% | 0.00% | 4.37% |
| Q1 2026 | 14.56% | 1.20% | 0.00% | 0.00% | 4.13% |
| Q4 2025 | 14.90% | 1.14% | 0.00% | 0.00% | 4.15% |
| Q3 2025 | 14.86% | 1.30% | 0.00% | 0.00% | 4.44% |
| Q2 2025 | 15.74% | 1.17% | 0.00% | 0.00% | 4.35% |
| Q1 2025 | 15.19% | 1.21% | 0.00% | 0.00% | 4.03% |
| Q4 2024 | 15.29% | 1.31% | 0.00% | 0.00% | 4.03% |
| Q3 2024 | 14.19% | 1.15% | 0.00% | 0.00% | 4.03% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Watermark Bank (main office) | Oklahoma City , OK | 73116 | $387.4M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.3% of deposits in OK, rank 62 of 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Watermark Bank
What are Watermark Bank's total assets?
As of the Q2 2026 filing, Watermark Bank reported total assets of $450.5 million in its FFIEC call report.
Where is Watermark Bank headquartered?
It is headquartered in Oklahoma City, OK, United States.
When was Watermark Bank founded?
It was established in 2019, per the FDIC institution directory.
Is Watermark Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #59148). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Watermark Bank?
Watermark Bank's primary federal regulator is the FDIC.
What is Watermark Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.11% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Watermark Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Watermark Bank's Texas Ratio?
Its Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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