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 | |