Waterstone 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.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 37.00 percentage points higher than in Q1 2026, at 273.62%. Waterstone Bank ranks 53rd of 153 Wisconsin banks on return on assets, in the upper half at 1.51% (Q2 2026). The median for banks in the $1B-10B asset tier is 1.27% on return on assets. Waterstone Bank sits 0.24 points higher, at 1.51% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 18.66% |
| Tier 1 risk-based capital ratio | 18.66% |
| Total risk-based capital ratio | 19.68% |
| Tier 1 leverage ratio | 15.43% |
| Equity capital to assets | 14.71% |
| Tangible equity to tangible assets | 14.69% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.36% |
| Non-performing assets ratio | 0.30% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 1.97% |
| Allowance for credit losses to loans | 0.97% |
| Reserve coverage of non-performing loans | 273.62% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.51% |
| Return on equity | 10.06% |
| Net interest margin | 3.09% |
| Efficiency ratio | 72.58% |
| Yield on earning assets | 5.65% |
| Cost of funds | 2.89% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 124.88% |
| Core deposits to total deposits | 83.51% |
| Brokered deposits to total deposits | 4.91% |
| Deposits to assets | 65.24% |
| Securities to assets | 10.55% |
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 | 18.81% | 18.81% | 19.93% | 15.28% | 0.57% |
| Q4 2023 | 18.99% | 18.99% | 20.10% | 15.62% | -0.03% |
| Q1 2024 | 19.08% | 19.08% | 20.19% | 15.46% | 0.54% |
| Q2 2024 | 18.73% | 18.73% | 19.81% | 14.95% | 0.99% |
| Q3 2024 | 18.85% | 18.85% | 19.91% | 14.96% | 0.82% |
| Q4 2024 | 19.21% | 19.21% | 20.29% | 15.55% | 0.91% |
| Q1 2025 | 19.60% | 19.60% | 20.68% | 15.86% | 0.56% |
| Q2 2025 | 18.98% | 18.98% | 20.03% | 15.35% | 1.38% |
| Q3 2025 | 18.78% | 18.78% | 19.79% | 15.55% | 1.41% |
| Q4 2025 | 19.47% | 19.47% | 20.49% | 15.43% | 1.34% |
| Q1 2026 | 19.24% | 19.24% | 20.26% | 15.85% | 1.08% |
| Q2 2026 | 18.66% | 18.66% | 19.68% | 15.43% | 1.51% |
Waterstone Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Waterstone 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 Waterstone Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28513) · FFIEC NIC profile (RSSD 310978)