Waterstone Bank
Wauwatosa, WI · Cert 28513 · Peer group: banks $1B-$10B in assets (n=311-317) · Waterstone Financial Inc.
SI · FDIC · 16 branches
Q2 2026
$2.3BAssets
$1.8BLoans
$1.5BDeposits
$331.5MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 92% of banks $1B-$10B in assets (rank 26 of 317).
- Widest gap: efficiency ratio trails 90% of banks $1B-$10B in assets (rank 285 of 317).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.28%
Rank 139 of 317
Net Interest Margin
2.86%
Rank 267 of 317
Efficiency Ratio
75.47%
Rank 285 of 317
Equity / Assets
14.71%
Rank 26 of 317
Non-interest income vs. expense
Unfavorable gap of $26.5M · efficiency ratio beats 10% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.28% | 0.93% | 1.22% | 1.51% | Beats 56% | 139 / 317 | |
| Return on Equity | 8.69% | 8.63% | 11.43% | 14.48% | Beats 26% | 235 / 317 | |
| Net Interest Margin | 2.86% | 3.06% | 3.45% | 3.83% | Beats 16% | 267 / 317 | |
| Efficiency Ratio | 75.47% | 51.90% | 59.69% | 67.53% | Beats 10% | 285 / 317 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.36% | 0.24% | 0.51% | 1.14% | Beats 65% | 110 / 311 | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.04% | 0.12% | Beats 90% | 31 / 311 | |
| Capital |
| Tier 1 Capital Ratio | 18.66% | 11.75% | 13.15% | 15.30% | Beats 87% | 40 / 317 | |
| Total Risk-Based Capital Ratio | 19.68% | 12.63% | 14.21% | 16.26% | Beats 88% | 37 / 317 | |
| Equity / Assets | 14.71% | 9.06% | 10.32% | 11.95% | Beats 92% | 26 / 317 | |
| Liquidity & Funding |
| Loans / Deposits | 124.88% | 76.63% | 88.04% | 95.67% | 98th pctl | 6 / 312 | |
| Loans / Assets | 81.48% | 65.41% | 74.05% | 79.71% | 81st pctl | 61 / 317 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |