Waterman, IL · Cert 10878 · Waterman Acquisition Group LLC
State charter, non-member · FDIC · 3 branches
Q2 2026
Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.0% share · #107 of 147 inst. · $0.1B of $630.7B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.77% | 0.73% | 0.30% | 0.34% | 0.42% | 0.49% | 0.53% | 0.47% | +13 bps | |
| Return on Equity | 4.90% | 4.65% | 1.99% | 2.28% | 2.80% | 3.26% | 3.50% | 3.18% | +90 bps | |
| Net Interest Margin | 4.94% | 4.91% | 4.50% | 4.21% | 4.33% | 4.38% | 4.31% | 4.24% | +3 bps | |
| Efficiency Ratio | 76.96% | 78.01% | 86.83% | 85.45% | 83.87% | 82.61% | 81.37% | 82.77% | -268 bps | |
| Non-Interest Burden | 3.69% | 3.68% | 3.83% | 3.49% | 3.49% | 3.45% | 3.26% | 3.31% | -18 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.02% | 8.76% | 15.22% | 7.43% | 7.89% | 7.12% | 0.41% | 6.13% | -130 bps | |
| Loan Growth (YoY) | 3.08% | 8.71% | -5.16% | 2.11% | 5.36% | 12.39% | 20.27% | 13.52% | +1,141 bps | |
| Deposit Growth (YoY) | -2.16% | 8.81% | 16.25% | 8.09% | 9.20% | 7.78% | -0.42% | 6.24% | -185 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.55% | 0.50% | 0.00% | 0.00% | 0.00% | 1.93% | 2.10% | 1.78% | +178 bps | |
| Net Charge-Offs / Loans | -0.10% | -0.07% | 1.13% | 0.48% | 0.33% | 0.23% | 0.22% | 0.10% | -38 bps | |
| Allowance / Loans | 0.61% | 0.67% | 0.52% | 0.48% | 0.52% | 0.53% | 0.55% | 0.53% | +6 bps | |
| Allowance Coverage of NPLs | 1.1x | 1.3x | n/a | n/a | n/a | 0.3x | 0.3x | 0.3x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.53% | 13.81% | 13.52% | 13.15% | 13.38% | 13.39% | 13.30% | 13.20% | +5 bps | |
| Total Risk-Based Capital | 18.65% | 19.23% | 23.48% | 21.36% | 21.62% | 19.86% | 13.30% | 13.20% | -816 bps | |
| Equity / Assets | 15.62% | 15.70% | 14.35% | 15.17% | 15.15% | 15.22% | 14.83% | 14.82% | -35 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 84.09% | 81.40% | 64.76% | 81.42% | 81.13% | 84.88% | 78.22% | 87.00% | +558 bps | |
| Liquid Assets / Assets | 3.51% | 3.92% | 34.28% | 20.31% | 20.96% | 18.22% | 23.45% | 16.22% | -409 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 218% | 214% | 230% | n/a | n/a | |