Waterfall Bank
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
$409.9MAssets
$380.1MLoans
$330.3MDeposits
$52.8MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 83% of banks under $1B in assets (rank 97 of 581).
- Widest gap: return on equity trails 92% of banks under $1B in assets (rank 577 of 629).
- Overall: at or above the peer median on 2 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $12.9M · efficiency ratio beats 9% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 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 |