Waterman Bank

Waterman, IL · Cert 10878 · Peer group: banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=56-57) · Waterman Acquisition Group LLC

State charter, non-member · FDIC · 3 branches

Q2 2026

$173.6MAssets

$125.6MLoans

$144.3MDeposits

$25.7MEquity

Executive Summary

Strongest standing: net interest margin outperforms 86% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 8 of 57).
Widest gap: net charge-offs / loans trails 86% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 49 of 56).
Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.47%

Rank 44 of 57

Net Interest Margin

4.24%

Rank 8 of 57

Efficiency Ratio

84.92%

Rank 47 of 57

Equity / Assets

14.82%

Rank 17 of 57

Non-interest income vs. expense

Unfavorable gap of $5.7M · efficiency ratio beats 19% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area

Metric	Your Bank	Peer 25th	Peer Median	Peer 75th	Standing	Rank
Earnings
Return on Assets	0.47%	0.51%	0.84%	1.19%	Beats 23%	44 / 57
Return on Equity	3.16%	3.13%	7.76%	11.40%	Beats 26%	42 / 57
Net Interest Margin	4.24%	3.16%	3.63%	4.08%	Beats 86%	8 / 57
Efficiency Ratio	84.92%	59.57%	69.70%	81.06%	Beats 19%	47 / 57
Asset Quality
Nonperforming Loans / Loans	1.78%	0.06%	0.34%	1.78%	Beats 25%	43 / 56
Net Charge-Offs / Loans	0.05%	n/a	0.00%	0.01%	Beats 14%	49 / 56
Capital
Tier 1 Capital Ratio	13.20%	12.24%	16.06%	19.69%	Beats 33%	38 / 57
Total Risk-Based Capital Ratio	13.20%	12.54%	16.50%	20.95%	Beats 32%	39 / 57
Equity / Assets	14.82%	9.37%	11.56%	15.00%	Beats 70%	17 / 57
Liquidity & Funding
Loans / Deposits	87.00%	66.29%	85.59%	95.16%	53rd pctl	27 / 57
Loans / Assets	72.33%	57.07%	71.07%	78.13%	53rd pctl	27 / 57
Brokered Deposits / Deposits	n/a	Not reported for this institution