Wauwatosa, WI · Cert 28513 · Waterstone Financial Inc.
SI · FDIC · 16 branches
Q2 2026
Market Position · Milwaukee-Waukesha, WI · 2026 SOD (annual) · 1.8% share · #9 of 43 inst. · $1.5B of $79.9B
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 | 0.79% | 0.82% | 0.55% | 0.97% | 1.11% | 1.17% | 1.06% | 1.28% | +31 bps | |
| Return on Equity | 5.49% | 5.68% | 3.67% | 6.53% | 7.52% | 7.91% | 7.06% | 8.57% | +205 bps | |
| Net Interest Margin | 1.98% | 2.11% | 2.39% | 2.41% | 2.50% | 2.55% | 2.82% | 2.86% | +45 bps | |
| Efficiency Ratio | 83.56% | 82.67% | 88.65% | 80.70% | 78.38% | 77.41% | 77.89% | 75.19% | -551 bps | |
| Non-Interest Burden | 0.99% | 1.06% | 1.78% | 1.25% | 1.16% | 1.15% | 1.41% | 1.19% | -7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.08% | -0.11% | -2.59% | -1.42% | 1.22% | 2.32% | 3.60% | -0.13% | +130 bps | |
| Loan Growth (YoY) | 2.36% | -0.70% | -3.27% | -3.97% | -0.04% | 0.23% | 2.74% | 0.52% | +449 bps | |
| Deposit Growth (YoY) | 3.42% | 12.36% | 14.07% | 12.60% | 9.06% | 5.51% | 3.62% | 2.99% | -961 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.29% | 0.31% | 0.42% | 0.45% | 0.32% | 0.34% | 0.41% | 0.36% | -9 bps | |
| Net Charge-Offs / Loans | -0.01% | 0.00% | 0.00% | 0.00% | 0.00% | -0.01% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.98% | 1.00% | 1.01% | 0.97% | 0.95% | 0.96% | 0.97% | 0.97% | 0 bps | |
| Allowance Coverage of NPLs | 3.4x | 3.2x | 2.4x | 2.2x | 2.9x | 2.8x | 2.4x | 2.7x | +0.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 14.96% | 15.55% | 15.86% | 15.35% | 15.55% | 15.43% | 15.85% | 15.43% | +8 bps | |
| Total Risk-Based Capital | 19.91% | 20.29% | 20.68% | 20.03% | 19.79% | 20.49% | 20.26% | 19.68% | -36 bps | |
| Equity / Assets | 14.59% | 14.86% | 15.12% | 14.49% | 14.69% | 14.95% | 15.05% | 14.71% | +22 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 140.80% | 129.83% | 125.84% | 127.95% | 129.05% | 123.33% | 124.78% | 124.88% | -307 bps | |
| Liquid Assets / Assets | 1.38% | 1.37% | 1.48% | 2.70% | 2.07% | 2.65% | 1.50% | 1.33% | -137 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 336% | 327% | 331% | n/a | n/a | |