Bank call report · Oklahoma City, OK
Watermark Bank Call Report
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Watermark Bank filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 051. Below are its 267 reported line items, schedule by schedule (796 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 | 5313312 |
| FDIC certificate number | 59148 |
| Total assets | $450.5M |
Official Q2 2026 call report PDF (FFIEC) →
Watermark 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 (23 items)
About Schedule RC · Watermark Bank balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $450.5M |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $450.5M |
| Total Liabilities and Minority Interest | RCON2948 | $393.6M |
| Total Deposits | RCON2200 | $387.4M |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $381.0M |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $376.2M |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $311.4M |
| Deposits: Noninterest-bearing | RCON6631 | $76.0M |
| Total Equity Capital | RCON3210 | $57.0M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $57.0M |
| Federal Funds Sold | RCONB987 | $40.4M |
| Surplus | RCON3839 | $40.3M |
| Undivided Profits and Capital Reserves | RCON3632 | $17.0M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $9.2M |
| Interest-bearing Balances | RCON0071 | $8.6M |
| Other Liabilities, Total | RCON2930 | $6.2M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $6.2M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $5.6M |
| Allowance for Loan and Lease Losses | RCON3123 | $4.8M |
| Other Assets | RCON2160 | $4.4M |
| Accumulated Other Comprehensive Income | RCONB530 | -$316K |
| Other Components of Equity Capital | RCONA130 | -$48K |
| Common Stock | RCON3230 | $37K |
Schedule RI: Income Statement (33 items)
About Schedule RI · Watermark Bank income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $13.5M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $12.4M |
| Net Interest Income | RIAD4074 | $8.9M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $5.3M |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $5.2M |
| Total Noninterest Expense | RIAD4093 | $5.1M |
| Total Interest Expense | RIAD4073 | $4.6M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $3.8M |
| 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 | $3.8M |
| Salaries and Employee Benefits | RIAD4135 | $3.4M |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $2.9M |
| Net Income (Loss) | RIAD4340 | $2.9M |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $2.9M |
| Savings Deposits (Including Mmdas) | RIAD0093 | $2.1M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $1.9M |
| Other Noninterest Expense | RIAD4092 | $1.3M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $1.2M |
| Applicable Income Taxes | RIAD4302 | $922K |
| Interest Income on Federal Funds Sold and Securities Purchased Under Agreements to Resell | RIAD4020 | $754K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $665K |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $643K |
| Expenses of Premises and Fixed Assets | RIAD4217 | $489K |
| Total Noninterest Income | RIAD4079 | $399K |
| Provision for Loan and Lease Losses | RIAD4230 | $350K |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | $350K |
| Other Noninterest Income | RIADB497 | $245K |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $161K |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $154K |
| Interest on Other Securities | RIAD4060 | $140K |
| 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 |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $8K |
| Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. | RIAD4507 | $4K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 34 |
Schedule RC-B: Securities (11 items)
About Schedule RC-B · Watermark Bank securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $9.7M |
| 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 | $6.5M |
| Amortized Cost of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8498 | $4.9M |
| Fair Value of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8499 | $4.8M |
| Amortized Cost of Other Available-for-sale Domestic Debt Securities | RCON1739 | $3.8M |
| Fair Value of Other Available-for-sale Domestic Debt Securities | RCON1741 | $3.5M |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $2.8M |
| 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 | $1.7M |
| 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 | $1.0M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost | RCONHT52 | $1.0M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value | RCONHT53 | $944K |
Schedule RC-C, Part I: Loans and Leases (31 items)
About Schedule RC-C, Part I · Watermark Bank loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $381.0M |
| 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 Three Months or Less | RCONA570 | $238.3M |
| Commercial and Industrial Loans | RCON1766 | $147.0M |
| Pledged Loans and Leases | RCONG378 | $120.8M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $95.4M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $56.5M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $53.5M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $46.8M |
| 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 | $40.0M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $39.1M |
| 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 | $29.6M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $20.6M |
| 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 Five Years Through 15 Years | RCONA568 | $18.4M |
| 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 | RCONA564 | $14.4M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $12.3M |
| 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 | $10.9M |
| 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 | $10.5M |
| 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 One Year Through Three Years | RCONA566 | $10.4M |
| Other Loans | RCONJ464 | $7.9M |
| Loans to Nondepository Financial Institutions and Other Loans: Loans to Nondepository Financial Institutions | RCONJ454 | $5.6M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $5.2M |
| 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 Five Years Through 15 Years | RCONA574 | $5.0M |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $4.5M |
| 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 | $2.3M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $1.8M |
| 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 15 Years | RCONA575 | $632K |
| 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 | $435K |
| Real Estate Loans Secured by Farmland | RCON1420 | $393K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Other Revolving Credit Plans | RCONB539 | $159K |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $105K |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $43K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (14 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| 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 | $18.9M |
| 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 | $16.1M |
| 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 | $3.4M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $600K |
| 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 | $506K |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5583 | $358K |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5579 | $35K |
| 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 | 63 |
| 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 | 41 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 33 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 27 |
| 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 $100,000 or Less | RCON5578 | 1 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5582 | 1 |
Schedule RC-E: Deposit Liabilities (30 items)
About Schedule RC-E · Watermark Bank deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $239.6M |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $180.4M |
| Total Transaction Accounts | RCON2215 | $147.8M |
| Total Demand Deposits (See Note Below) | RCON2210 | $143.0M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $135.3M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $132.7M |
| Total reciprocal deposits | RCONJH83 | $118.7M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $67.2M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $56.2M |
| Selected Components of Total Deposits, Brokered Deposits of 250000 or Less (Fully Insured Brokered Deposits) | RCONHK05 | $56.1M |
| Total Brokered Deposits | RCON2365 | $56.1M |
| Selected Components of Total Deposits, Brokered Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK06 | $46.2M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $33.4M |
| 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 | $32.9M |
| Total Nontransaction Accounts of Commercial Banks and Other Depository Institutions in the U.S. | RCONB552 | $29.7M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $29.5M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $27.1M |
| 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 | $23.3M |
| Estimated Amount of Deposits Obtained Through the Use of Deposit Listing Services That Are Not Brokered Deposits | RCONK223 | $16.7M |
| 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 | $16.3M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $11.9M |
| 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 Three Months or Less | RCONHK12 | $10.8M |
| 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 | $8.3M |
| 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 One Year Through Three Years | RCONHK14 | $6.3M |
| 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 | $5.5M |
| Total Transaction Accounts - Deposits of Commercial Banks and Other Depository Institutions in the U.S. | RCONB551 | $3.2M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $2.7M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $1.0M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $802K |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $613K |
Schedule RC-F: Other Assets (5 items)
Schedule RC-G: Other Liabilities (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| All Other Liabilities | RCON2938 | $4.1M |
| Operating lease liabilities | RCONLB56 | $4.0M |
| Other Expenses Accrued and Unpaid | RCON3646 | $1.4M |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $453K |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCONB557 | $289K |
Schedule RC-K: Quarterly Averages (14 items)
About Schedule RC-K · Watermark Bank quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $430.9M |
| Quarterly Average of Total Loans | RCON3360 | $370.2M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $156.5M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $146.1M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $132.1M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $67.3M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $65.7M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $65.0M |
| Quarterly Average of Federal Funds Sold and Securities Purchased Under Agreements to Resell | RCON3365 | $34.8M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $34.1M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $8.5M |
| All Other Securities | RCONB560 | $8.3M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $947K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $355K |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (7 items)
About Schedule RC-L · Watermark Bank derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $49.5M |
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $10.9M |
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $6.7M |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $3.7M |
| Other unused commitments: Loans to nondepository financial institutions | RCONPV11 | $3.2M |
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $1.3M |
| Financial Standby Letters of Credit and Foreign Office Guarantees | RCON3819 | $1.3M |
Schedule RC-M: Memoranda (2 items)
About Schedule RC-M · Watermark Bank memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $1.4M |
| Number of Executive Officers, Directors, and Principal Shareholders to Whom the Amount of All Extensions of Credit by the Reporting Bank (Including Extensions of Credit to Related Interests) Equals or Exceeds the Lesser of $500,000 or 5 Percent of Total Capital as Defined for This Purpose in Agency Regulations | RCON6165 | 2 |
Schedule RC-O: Other Data for Deposit Insurance Assessments (12 items)
About Schedule RC-O · Watermark Bank other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $430.9M |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $387.8M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $201.1M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $185.9M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $56.3M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $526K |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $280K |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 2,589 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 238 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 5 |
| Averaging Method Used | RCONK653 | 1 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 1 |
Schedule RC-R: Regulatory Capital (1 item)
About Schedule RC-R · Watermark Bank regulatory capital trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets Before Deductions for Excess Allowance for Loan and Lease Losses and Allocated Transfer Risk Reserve - 100% | RCONB704 | $405.9M |
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (21 items)
About Schedule RC-R, Part I · Watermark Bank regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Total Assets (Net of Deductions) | RCOAA224 | $430.9M |
| Average total consolidated assets | RCOAKW03 | $430.9M |
| Risk-weighted Assets (Net of Allowances and Other Deductions) | RCOAA223 | $405.9M |
| Total Qualifying Capital Allowable Under the Risk-based Capital Guidelines | RCOA3792 | $62.3M |
| Common Equity Tier 1 Capital | RCOAP859 | $57.3M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $57.3M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $57.3M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $57.0M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $40.3M |
| Retained Earnings | RCOAKW00 | $17.0M |
| General Loan and Lease Valuation Allowances | RCOA5310 | $5.1M |
| Tier 2 (Supplementary) Capital | RCOA5311 | $5.1M |
| Tier 2 Capital Before Deductions | RCOAP870 | $5.1M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$316K |
| 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 | -$316K |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Total Risk-based Capital Ratio | RCOA7205 | 0.1536 |
| Common Equity Tier 1 Capital Ratio | RCOAP793 | 0.1411 |
| Tier 1 Risk-based Capital Ratio | RCOA7206 | 0.1411 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.1329 |
| Institution-specific Capital Buffer Necessary to Avoid Limitations on Distributions and Discretionary Bonus Payments: Capital Conservation Buffer | RCOAH311 | 0.0736 |
Schedule RC-R, Part II: Risk-Weighted Assets (46 items)
About Schedule RC-R, Part II · Watermark Bank risk-weighted assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets for Purposes of Calculating the Allowance for Loan and Lease Losses 1.25 Percent Threshold | RCONS580 | $405.9M |
| Total Risk-weighted Assets | RCONG641 | $405.9M |
| Risk-weighted Assets by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG637 | $364.6M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG633 | $364.6M |
| Total Balance Sheet Assets - 100 Pct Risk Weight Category | RCOND990 | $336.8M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 100 Pct Risk Weight Category | RCONS462 | $317.3M |
| Total Loans and Leases, Net of Unearned Income, All Other Exposures | RCONS457 | $317.3M |
| Total Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures | RCONS439 | $62.9M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG632 | $57.6M |
| Total Balance Sheet Assets - 50 Pct Risk Weight Category | RCOND989 | $57.6M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS442 | $56.5M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG631 | $55.7M |
| Total Balance Sheet Assets - 20 Pct Risk Weight Category | RCOND988 | $55.7M |
| Federal Funds Sold in Domestic Offices | RCOND971 | $40.4M |
| Federal Funds Sold in Domestic Offices - 20 Pct Risk Weight Category | RCOND973 | $40.4M |
| Unused Commitments, Original Maturity Exceeding One Year - Face, Notional, or Other Amount | RCONG624 | $38.4M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Face, Notional or Other Amount | RCONS525 | $36.9M |
| Risk-weighted Assets by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG636 | $28.8M |
| Unused Commitments, Original Maturity Exceeding One Year - 100 Pct Risk Weight Category | RCONG629 | $19.2M |
| Unused Commitments, Original Maturity Exceeding One Year - Credit Equivalent Amount | RCONG625 | $19.2M |
| Total Cash and Balances Due from Depository Institutions | RCOND957 | $14.8M |
| Risk-weighted Assets by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG635 | $11.1M |
| Cash and Balances Due from Depository Institutions - 20 Pct Risk Weight Category | RCOND959 | $10.1M |
| Total All Other Assets | RCOND981 | $9.9M |
| All Other Assets - 100 Pct Risk Weight Category | RCOND985 | $9.5M |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes, Total Fair Value | RCONJA21 | $9.2M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 100% | RCONS530 | $7.4M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Credit Equivalent Amount | RCONS526 | $7.4M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 100 Pct Risk Weight Category | RCONS443 | $6.4M |
| Total Balance Sheet Assets - Adjustments to Total Reported in Column a | RCONS500 | -$5.2M |
| Available-for-sale Securities - 20 Pct Risk Weight Category | RCOND968 | $4.8M |
| Cash and Balances Due from Depository Institutions - 0 Pct Risk Weight Category | RCOND958 | $4.7M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 0 Pct Risk Weight Category | RCONG630 | $4.7M |
| Total Balance Sheet Assets - 0 Pct Risk Weight Category | RCOND987 | $4.7M |
| Available-for-sale Securities - 100 Pct Risk Weight Category | RCOND970 | $3.8M |
| Financial Standby Letters of Credit - 100 Pct Risk Weight Category | RCOND996 | $1.3M |
| Financial Standby Letters of Credit - Credit Equivalent Amount | RCOND992 | $1.3M |
| Financial Standby Letters of Credit - Face, Notional, or Other Amount | RCOND991 | $1.3M |
| Risk-weighted Assets by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS572 | $1.3M |
| Available-for-sale Securities - 50 Pct Risk Weight Category | RCOND969 | $1.1M |
| Loans and Leases, Net of Unearned Income, High Volatility Commercial Real Estate Exposures - 150 Pct Risk Weight Category | RCONS447 | $839K |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS561 | $839K |
| Total Balance Sheet Assets - 150 Pct Risk Weight Category | RCONS503 | $839K |
| Total Loans and Leases, Net of Unearned Income, High Volatility Commercial Real Estate Exposures | RCONS445 | $839K |
| All Other Assets - 20 Pct Risk Weight Category | RCOND983 | $471K |
| Available-for-sale Securities - Adjustment to Totals Reported in Column a | RCONS402 | -$427K |
Schedule RI-A: Changes in Bank Equity Capital (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $57.0M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $53.9M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $53.9M |
| Sale, Conversion, Acquisition, or Retirement of Capital Stock, Net (Excluding Treasury Stock Transactions) | RIADB509 | $208K |
| Other Comprehensive Income | RIADB511 | $33K |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (4 items)
About Schedule RI-B, Part I · Watermark Bank charge-offs and recoveries on loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Recoveries on Allowance for Loan and Lease Losses | RIAD4605 | $30K |
| Recoveries on Commercial and Industrial Loans | RIAD4608 | $30K |
| Charge-offs All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK205 | $1K |
| Charge-offs on Allowance for Loan and Lease Losses | RIAD4635 | $1K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (3 items)
About Schedule RI-B, Part II · Watermark Bank changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Allowance for Loan and Lease Losses | RIAD3123 | $4.8M |
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $4.4M |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $1K |
Watermark 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 Watermark Bank call report?
The Watermark 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 Watermark Bank file?
Watermark 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 Watermark Bank call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: Watermark Bank has Federal Reserve RSSD ID 5313312 and FDIC certificate number 59148. Either one finds its filings on the FFIEC Central Data Repository.
How often does Watermark 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.
Watermark 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 59148) · FFIEC NIC profile (RSSD 5313312)