WSB Municipal 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 Deposits to assets: 11.40 percentage points lower than in Q1 2026, at 64.65%. Among 105 New York banks, WSB Municipal Bank sits 4th from the top on return on assets, 2.59% as of Q2 2026. WSB Municipal Bank's return on assets of 2.59% is well above the 1.25% median for banks in the $100M-1B asset tier, a gap of 1.34 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 15.23% |
| Equity capital to assets | 15.38% |
| Tangible equity to tangible assets | 15.38% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | — |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | — |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | — |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.59% |
| Return on equity | 18.05% |
| Net interest margin | 3.38% |
| Efficiency ratio | 1.78% |
| Yield on earning assets | 3.74% |
| Cost of funds | 0.52% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 0.00% |
| Core deposits to total deposits | 91.91% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 64.65% |
| Securities to assets | 94.74% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin |
|---|---|---|---|
| Q3 2023 | 10.75% | 0.50% | 0.72% |
| Q4 2023 | 11.29% | 0.72% | 0.93% |
| Q1 2024 | 11.73% | 0.61% | 0.86% |
| Q2 2024 | 12.26% | 0.75% | 1.03% |
| Q3 2024 | 12.25% | 0.80% | 1.10% |
| Q4 2024 | 12.68% | 1.22% | 1.50% |
| Q1 2025 | 13.33% | 1.32% | 1.77% |
| Q2 2025 | 13.64% | 1.58% | 2.09% |
| Q3 2025 | 13.83% | 1.82% | 2.41% |
| Q4 2025 | 14.56% | 2.20% | 2.64% |
| Q1 2026 | 14.89% | 1.98% | 2.62% |
| Q2 2026 | 15.23% | 2.59% | 3.38% |
WSB Municipal Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock WSB Municipal 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 WSB Municipal Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 7274) · FFIEC NIC profile (RSSD 858818)