Clearwater, FL · Cert 59265 · Waterfall Bcorp Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
55
Asset Quality
53
Profitability
16
Liquidity
0
Efficiency
9
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Clearwater, FL · Cert 59265 · Waterfall Bcorp Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
Market Position · Tampa-St. Petersburg-Clearwater, FL · 2026 SOD (annual) · 0.3% share · #30 of 60 inst. · $0.3B of $131.5B
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 | 0.20% | 0.26% | -0.12% | 0.15% | 0.15% | 0.18% | -0.11% | -0.03% | -18 bps | |
| Return on Equity | 1.09% | 1.48% | -0.83% | 1.10% | 1.15% | 1.37% | -0.83% | -0.26% | -136 bps | |
| Net Interest Margin | 3.10% | 2.82% | 2.92% | 2.98% | 2.87% | 2.87% | 3.17% | 3.22% | +24 bps | |
| Efficiency Ratio | 86.26% | 83.81% | 88.48% | 82.49% | 80.02% | 80.81% | 97.57% | 95.61% | +1,312 bps | |
| Non-Interest Burden | 2.66% | 2.35% | 2.57% | 2.44% | 2.28% | 2.30% | 3.09% | 3.07% | +63 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 61.15% | 52.20% | 52.93% | 51.43% | 46.12% | 43.79% | 34.00% | 17.10% | -3,433 bps | |
| Loan Growth (YoY) | 58.34% | 48.47% | 39.90% | 46.47% | 43.27% | 39.87% | 45.46% | 31.13% | -1,534 bps | |
| Deposit Growth (YoY) | 81.05% | 87.49% | 75.00% | 62.52% | 42.92% | 25.93% | 26.50% | 8.03% | -5,449 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.17% | 0.03% | +3 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.15% | +15 bps | |
| Allowance / Loans | 0.72% | 0.70% | 0.82% | 0.81% | 0.85% | 0.86% | 0.86% | 0.83% | +3 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | 5.0x | 31.6x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 17.19% | 15.31% | 13.94% | 13.09% | 14.72% | 13.89% | 12.93% | 12.64% | -44 bps | |
| Total Risk-Based Capital | 17.88% | 16.31% | 15.81% | 14.29% | 15.96% | 14.56% | 13.86% | 14.27% | -3 bps | |
| Equity / Assets | 15.78% | 14.67% | 13.29% | 12.07% | 13.58% | 12.94% | 12.51% | 12.89% | +81 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 104.40% | 105.22% | 96.66% | 94.79% | 104.65% | 116.87% | 111.15% | 115.07% | +2,027 bps | |
| Liquid Assets / Assets | 6.84% | 5.65% | 12.06% | 10.54% | 8.84% | 7.34% | 4.90% | 2.47% | -808 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 478% | 532% | 553% | n/a | n/a | |
Clearwater, FL · Cert 59265 · Peer group: banks under $1B in assets (n=581-629) · Waterfall Bcorp Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
Return on Assets
-0.03%
Rank 578 of 629
Net Interest Margin
3.22%
Rank 421 of 629
Efficiency Ratio
95.61%
Rank 576 of 629
Equity / Assets
12.89%
Rank 189 of 629
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.03% | 0.60% | 1.01% | 1.45% | Beats 8% | 578 / 629 | ||
| Return on Equity | -0.27% | 5.38% | 9.30% | 13.28% | Beats 8% | 577 / 629 | ||
| Net Interest Margin | 3.22% | 3.03% | 3.54% | 4.05% | Beats 33% | 421 / 629 | ||
| Efficiency Ratio | 95.61% | 58.35% | 67.79% | 79.08% | Beats 9% | 576 / 629 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.03% | 0.09% | 0.46% | 1.20% | Beats 83% | 97 / 581 | ||
| Net Charge-Offs / Loans | 0.07% | n/a | 0.01% | 0.06% | Beats 23% | 450 / 581 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.45% | 11.24% | 13.84% | 18.77% | Beats 47% | 334 / 629 | ||
| Total Risk-Based Capital Ratio | 14.27% | 11.58% | 14.43% | 19.66% | Beats 48% | 324 / 629 | ||
| Equity / Assets | 12.89% | 9.09% | 10.65% | 13.80% | Beats 70% | 189 / 629 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 115.07% | 67.24% | 80.90% | 93.48% | 97th pctl | 16 / 594 | ||
| Loans / Assets | 92.72% | 53.31% | 67.71% | 78.15% | 100th pctl | 2 / 629 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||