Bank Safety Analysis
Is Waterstone Bank Safe?
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Waterstone Bank passes all 5 scorecard dimensions, but not every risk screen below is clear. 2 risk screens are flagged: loan-to-deposit ratio and commercial real estate to capital. Analysis based on the Q2 2026 call report.
Return on assets climbed 0.44 percentage points in Q2 2026, from 1.08% to 1.51%. It was the largest change from Q1 2026 among the key lines here. Within Wisconsin, Waterstone Bank is 15th of 85 on CET1 ratio, 18.66% as of Q2 2026. The median for banks in the $1B-10B asset tier is 13.49% on CET1 ratio. Waterstone Bank sits 5.16 points higher, at 18.66% (Q2 2026). From Q3 2023 to Q2 2026, Waterstone Bank's CET1 ratio ranged between 18.66% (Q2 2026) and 19.60% (Q1 2025) and its Texas ratio ranged between 1.34% (Q3 2023) and 2.41% (Q2 2025). Between Q2 2025 and Q2 2026, Waterstone Bank's CET1 ratio fell from 18.98% to 18.66%, nonperforming loan ratio (nonaccrual plus 90+ days past due) fell from 0.45% to 0.36%, Texas ratio fell from 2.41% to 1.97% and return on assets rose from 1.38% to 1.51%.
Data as of · sourced from FFIEC call reports. How we update
An exploratory screening score that ranks relative failure risk across filers. It is not a calibrated probability, not a credit rating, and not a CAMELS rating. Held-out test AUC 0.904 for the 1-year horizon (v20261005_114304). Trained on credit-driven community-bank failures, it carries little signal for interest-rate or deposit-flight risk. The score covers every FDIC-insured bank in the latest run, but the model was trained on community and regional banks and its accuracy above roughly $10 billion in assets is not established, so a low score is not evidence of safety. The risk tier comes from the composite score; the 12-month figure rounds to zero for this bank, so it is not shown beside a tier above Low. See the model evidence and limits and the methodology. This is not investment advice or a credit rating.
Scorecard by dimension
Peer cohort: banks with $1B to $10B in assets (941 banks) · Industry averages as of Q2 2026.
CET1 of 18.66% sits comfortably above the 6.5% well-capitalized threshold under Prompt Corrective Action and the 7.0% level required once the capital conservation buffer is included.
Tier 1 leverage of 15.43% is above the 5% well-capitalized threshold.
Nonperforming loans at 0.36% are within industry-normal range.
Texas Ratio of 2.0% is well below the 100% historical failure threshold.
Efficiency ratio of 72.6% is inside the 75% pass line, though above the 65% level typical of lower-cost banks.
Risk screens
Latest filing (Q2 2026), passing screens included.
| Screen | Value | Trigger | Result |
|---|---|---|---|
| CET1 capital ratio supervisory threshold | 18.66% | Flags below 7% | Within range |
| Texas ratio BankRegReports band | 1.97% | Watch at 50%, concern at 100% | Within range |
| Non-performing loan ratio BankRegReports band | 0.36% | Flags at 3% or above | Within range |
| Uninsured deposit share BankRegReports band | 26.84% | Watch at 50%, concern at 70% | Within range |
| Loan-to-deposit ratio BankRegReports band | 124.88% | Flags at 100% or above | Flagged |
| Commercial real estate to capital supervisory threshold | 294.48% | Watch at 200%, concern at 300% | Flagged |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.00% | Watch at 10%, concern at 25% | Within range |
Capital ratio: last 12 quarters
| Quarter | CET1 (%) |
|---|---|
| Q2 2026 | 18.66% |
| Q1 2026 | 19.24% |
| Q4 2025 | 19.47% |
| Q3 2025 | 18.78% |
| Q2 2025 | 18.98% |
| Q1 2025 | 19.60% |
| Q4 2024 | 19.21% |
| Q3 2024 | 18.85% |
| Q2 2024 | 18.73% |
| Q1 2024 | 19.08% |
| Q4 2023 | 18.99% |
| Q3 2023 | 18.81% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q2 2026 | 1.97% |
| Q1 2026 | 2.19% |
| Q4 2025 | 1.86% |
| Q3 2025 | 1.74% |
| Q2 2025 | 2.41% |
| Q1 2025 | 2.18% |
| Q4 2024 | 1.78% |
| Q3 2024 | 1.60% |
| Q2 2024 | 1.67% |
| Q1 2024 | 1.50% |
| Q4 2023 | 1.50% |
| Q3 2023 | 1.34% |
Waterstone Bank by quarter
| Quarter end | CET1 | NPL ratio | Texas ratio | ROA |
|---|---|---|---|---|
| Jun 30, 2026 | 18.66% | 0.36% | 1.97% | 1.51% |
| Mar 31, 2026 | 19.24% | 0.41% | 2.19% | 1.08% |
| Dec 31, 2025 | 19.47% | 0.34% | 1.86% | 1.34% |
| Sep 30, 2025 | 18.78% | 0.32% | 1.74% | 1.41% |
| Jun 30, 2025 | 18.98% | 0.45% | 2.41% | 1.38% |
| Mar 31, 2025 | 19.60% | 0.42% | 2.18% | 0.56% |
| Dec 31, 2024 | 19.21% | 0.31% | 1.78% | 0.91% |
| Sep 30, 2024 | 18.85% | 0.29% | 1.60% | 0.82% |
| Jun 30, 2024 | 18.73% | 0.29% | 1.67% | 0.99% |
| Mar 31, 2024 | 19.08% | 0.26% | 1.50% | 0.54% |
| Dec 31, 2023 | 18.99% | 0.26% | 1.50% | -0.03% |
| Sep 30, 2023 | 18.81% | 0.23% | 1.34% | 0.57% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is Waterstone Bank FDIC insured?
Yes. Waterstone Bank is an FDIC-insured savings bank (FDIC Certificate #28513). Customer deposits are protected up to the standard FDIC insurance limit of $250,000 per depositor, per ownership category.
Is Waterstone Bank well capitalized?
Yes. Waterstone Bank reports a CET1 Ratio of 18.66%, comfortably above the regulatory well-capitalized threshold that its primary federal regulator, the FDIC, applies under Prompt Corrective Action.
What is Waterstone Bank's nonperforming loan ratio?
As of the most recent call report, Waterstone Bank's nonperforming loan ratio is 0.36%. Nonperforming loans at 0.36% are within industry-normal range.
What is Waterstone Bank's Texas Ratio?
Waterstone Bank's Texas Ratio is 1.97%. It compares nonperforming assets with tangible equity plus reserves; above 100% has historically signaled elevated failure risk.
How safe is my money at any FDIC-insured bank?
FDIC insurance covers up to $250,000 per depositor, per insured bank, per ownership category. If an insured bank fails, the FDIC typically pays insured depositors within one business day.
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Methodology & disclaimer
Based on the latest FFIEC call report. Model output is an estimate, not a credit rating, and this page is not investment advice. FDIC insurance covers deposits up to $250,000 per depositor per ownership category at any FDIC-insured bank, whatever its safety profile. See the methodology and full profile.
Regulator records: FDIC BankFind (cert 28513) · FFIEC NIC profile (RSSD 310978)
Explore: Full Waterstone Bank profile · Other banks in WI · Metric glossary · How the call report works