Waterstone Bank
Wauwatosa, WI · Cert 28513 · Peer group: banks $1B-$10B in assets (n=322-328) · 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 25 of 328).
- Widest gap: efficiency ratio trails 89% of banks $1B-$10B in assets (rank 294 of 328).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.28%
Rank 143 of 328
Net Interest Margin
2.86%
Rank 272 of 328
Efficiency Ratio
75.47%
Rank 294 of 328
Equity / Assets
14.71%
Rank 25 of 328
Non-interest income vs. expense
Unfavorable gap of $26.5M · efficiency ratio beats 11% 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% | 0.91% | 1.22% | 1.52% | Beats 56% | 143 / 328 | |
| Return on Equity | 8.69% | 8.43% | 11.45% | 14.43% | Beats 27% | 238 / 328 | |
| Net Interest Margin | 2.86% | 3.03% | 3.45% | 3.83% | Beats 17% | 272 / 328 | |
| Efficiency Ratio | 75.47% | 51.61% | 59.56% | 67.53% | Beats 11% | 294 / 328 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.36% | 0.24% | 0.51% | 1.03% | Beats 64% | 116 / 322 | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.03% | 0.10% | Beats 91% | 31 / 322 | |
| Capital |
| Tier 1 Capital Ratio | 18.66% | 11.75% | 13.15% | 15.47% | Beats 87% | 42 / 328 | |
| Total Risk-Based Capital Ratio | 19.68% | 12.63% | 14.15% | 16.46% | Beats 88% | 39 / 328 | |
| Equity / Assets | 14.71% | 9.15% | 10.33% | 12.01% | Beats 92% | 25 / 328 | |
| Liquidity & Funding |
| Loans / Deposits | 124.88% | 76.63% | 87.92% | 95.36% | 98th pctl | 5 / 323 | |
| Loans / Assets | 81.48% | 65.18% | 74.15% | 79.98% | 80th pctl | 65 / 328 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |