Waterstone Bank
Wauwatosa, WI · Cert 28513 · Peer group: banks $1B-$10B in assets (n=313-319) · 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 319).
- Widest gap: efficiency ratio trails 89% of banks $1B-$10B in assets (rank 285 of 319).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.28%
Rank 138 of 319
Net Interest Margin
2.86%
Rank 269 of 319
Efficiency Ratio
75.47%
Rank 285 of 319
Equity / Assets
14.71%
Rank 26 of 319
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 | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.28% | 0.91% | 1.21% | 1.53% | Beats 57% | 138 / 319 | n/a | |
| Return on Equity | 8.69% | 8.49% | 11.44% | 14.57% | Beats 26% | 235 / 319 | n/a | |
| Net Interest Margin | 2.86% | 3.06% | 3.43% | 3.81% | Beats 16% | 269 / 319 | n/a | |
| Efficiency Ratio | 75.47% | 51.90% | 59.57% | 67.64% | Beats 11% | 285 / 319 | n/a | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.36% | 0.25% | 0.54% | 1.18% | Beats 66% | 106 / 313 | n/a | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.04% | 0.12% | Beats 91% | 28 / 313 | n/a | |
| Capital |
| Tier 1 Capital Ratio | 18.66% | 11.74% | 12.99% | 15.28% | Beats 87% | 40 / 319 | n/a | |
| Total Risk-Based Capital Ratio | 19.68% | 12.61% | 14.01% | 16.23% | Beats 88% | 37 / 319 | n/a | |
| Equity / Assets | 14.71% | 9.03% | 10.33% | 12.01% | Beats 92% | 26 / 319 | n/a | |
| Liquidity & Funding |
| Loans / Deposits | 124.88% | 76.76% | 88.16% | 95.43% | 98th pctl | 6 / 314 | n/a | |
| Loans / Assets | 81.48% | 65.79% | 74.05% | 79.84% | 81st pctl | 60 / 319 | n/a | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |