Waterstone Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Waterstone Bank of Wauwatosa, WI against its peer group of 941 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 | 1.51% | 1.34% | +0.17% | 66th above |
| ROAE | 10.06% | 12.34% | -2.28% | 31st below |
| Net Interest Margin | 3.09% | 3.83% | -0.74% | 17th bottom |
| Efficiency Ratio | 72.58% | 58.97% | +13.61% | 15th bottom |
| PPNR / Avg Assets | 1.94% | — | — | 64th above |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.65% | 5.71% | -0.06% | 57th above |
| Cost of Funds | 2.89% | 2.02% | +0.87% | 10th bottom |
| Net Interest Spread | 2.58% | — | — | 23rd bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.36% | 0.87% | -0.51% | 64th above |
| NPA / Total Assets | 0.30% | — | — | 61st above |
| NCO / Avg Loans | 0.00% | 0.43% | -0.43% | 89th top |
| ACL / Total Loans | 0.97% | — | — | 27th below |
| ACL / NPLs (Coverage) | 273.62% | — | — | 60th above |
| Texas Ratio | 1.97% | 5.48% | -3.51% | 69th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 18.66% | 14.99% | +3.67% | 88th top |
| Tier 1 Ratio | 18.66% | 15.02% | +3.64% | 88th top |
| Total Capital Ratio | 19.68% | — | — | 88th top |
| Leverage Ratio | 15.43% | 11.11% | +4.32% | 93rd top |
| Equity / Assets | 14.71% | 11.02% | +3.69% | 92nd top |
| TCE / Tangible Assets | 14.69% | — | — | 94th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 124.88% | 86.99% | +37.89% | 2nd bottom |
| Core Deposit Ratio | 83.51% | 85.57% | -2.06% | 29th below |
| Uninsured Deposit Ratio | 26.84% | 33.19% | -6.35% | 64th above |
| Wholesale Funding Ratio | 18.29% | — | — | 3rd bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.13% | — | — | 14th bottom |
| Loan Growth (Y/Y) | 0.52% | — | — | 19th bottom |
| Deposit Growth (Y/Y) | 2.99% | — | — | 35th below |
See Waterstone Bank's peers by name
The 941 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Waterstone 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 Waterstone Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Waterstone Bank peer analysis.