Waterman Bank quarterly financials
As reported to the FDIC. Dollar values are period-end balances. Net income is for the single quarter, derived from the FDIC's year-to-date figures by subtracting the prior quarter's report. Ratios (ROA, ROE, NIM) are FDIC-computed annualized year-to-date values.
| Quarter | Assets | Deposits | Net loans | Equity | Net income | ROA | ROE | NIM | Noncurrent |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $172M | $143M | $111M | $26M | $223K | 0.53% | 3.50% | 4.49% | 2.10% |
| Q4 2025 | $167M | $138M | $117M | $25M | $291K | 0.49% | 3.26% | 4.62% | 1.93% |
| Q3 2025 | $166M | $137M | $111M | $25M | $239K | 0.42% | 2.80% | 4.52% | 0.00% |
| Q2 2025 | $164M | $136M | $110M | $25M | $159K | 0.34% | 2.28% | 4.42% | 0.00% |
| Q1 2025 | $172M | $144M | $93M | $25M | $122K | 0.30% | 1.99% | 4.56% | 0.00% |
| Q4 2024 | $156M | $128M | $104M | $24M | $239K | 0.73% | 4.65% | 5.26% | 0.50% |
| Q3 2024 | $154M | $126M | $105M | $24M | $387K | 0.77% | 4.90% | 5.29% | 0.55% |
| Q2 2024 | $152M | $126M | $108M | $23M | $367K | 0.64% | 4.07% | 5.30% | 1.00% |
| Q1 2024 | $149M | $124M | $98M | $23M | $104K | 0.28% | 1.81% | 5.12% | 1.84% |
| Q4 2023 | $143M | $118M | $95M | $23M | $434K | 1.10% | 7.39% | 5.83% | 1.67% |
| Q3 2023 | $154M | $129M | $102M | $23M | $183K | 1.05% | 7.24% | 5.16% | 0.87% |
| Q2 2023 | $156M | $132M | $95M | $22M | $476K | 1.37% | 9.47% | 5.24% | 0.59% |
Transcribed from FDIC BankFind Suite quarterly financial data (Call Report-derived). Income in Call Reports is filed year-to-date; per-quarter net income shown here is the difference between consecutive reports within the same year. NIM = net interest margin; “Noncurrent” = noncurrent loans as a share of total loans. These figures describe reported financials only and are not a safety rating or a prediction about the institution.