BlastPoint's Banking Scorecard

Waterman Bank

$100M-$1B Specialty: Commercial IL FDIC cert 10878

Waterman, IL

3 branches across IL

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 211 in IL.
Deposits +6.2% year over year ($144.3M on the books).
Delinquency rate 1.79%.
Return on assets 0.47%.
Efficiency ratio 82.77% vs a 64.48% peer average.
Loan-to-deposit ratio 86.54% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 211 in IL

View $100M-$1B leaderboard (IL) →

Waterman Bank has 2 strengths but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Revenue Diversifier: Top 47.8% in tier
+ Net Interest Margin 0.47% above tier average

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 41.5% in tier
- Non-Interest-Bearing Deposit Share 16.58% below tier average
- ROA 0.85% below tier average
- Delinquency Rate 0.87% above tier average

Get updates when Waterman Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$173.6M +6.1% YoY +0.7% QoQ	-$212.9M	$386.6M +1.2% YoY	$2.4B +4.3% YoY	$6.3B +7.7% YoY	20%
Total Loans ?	$124.9M +13.5% YoY +12.1% QoQ	-$133.4M	$258.3M +1.7% YoY	$1.3B +4.4% YoY	$3.2B +9.4% YoY	27%
Total Deposits ?	$144.3M +6.2% YoY +0.8% QoQ	-$182.4M	$326.7M +0.7% YoY	$1.9B +3.7% YoY	$4.9B +7.3% YoY	20%
Return on Assets ?	0.47% +38.3% YoY -9.7% QoQ	-0.85%	1.32% +10.8% YoY	1.12% +2.8% YoY	1.30% +12.1% YoY	Bottom 11.6% in tier
Net Interest Margin ?	4.46% +0.8% YoY -0.6% QoQ	+0.47%	3.99% +5.0% YoY	3.68% +7.2% YoY	3.95% +4.9% YoY	78%
Efficiency Ratio ?	82.77% -3.1% YoY +1.7% QoQ	+18.29%	64.48% -3.2% YoY	63.11% -4.5% YoY	70.05% +2.5% YoY	Bottom 11.1% in tier
Delinquency Rate ?	1.79% -15.2% QoQ	+0.87%	0.92% +15.7% YoY	1.19% +6.2% YoY	0.98% +16.3% YoY	Bottom 15.0% in tier
Loan-to-Deposit Ratio ?	86.54% +6.8% YoY +11.3% QoQ	+8.59%	77.95% +1.0% YoY	72.86% +0.7% YoY	79.03% +2.3% YoY	34%
Non-Interest-Bearing Deposit Share ?	5.45% +19.0% YoY +0.8% QoQ	-16.58%	22.03% -0.6% YoY	20.01% -0.1% YoY	21.98% -0.6% YoY	Bottom 4.0% in tier
Nonperforming Asset Ratio ?	1.29% -5.6% QoQ	+0.62%	0.67% +16.4% YoY	0.81% +6.3% YoY	0.69% +15.8% YoY	15%
Tier 1 Capital Ratio ?	13.20% -36.6% YoY -0.8% QoQ	-2.71%	15.91% +1.4% YoY	17.17% +1.3% YoY	17.09% +0.8% YoY	50%
Non-Interest Income / Assets ?	0.72% +41.9% YoY +83.9% QoQ	+0.16%	0.57% +7.6% YoY	0.68% +1.1% YoY	0.66% +5.2% YoY	Top 5.5% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Noninterest-Bearing	5.4% +0.9pp YoY 0.0pp QoQ	-16.7pp	22.1%	20.1%	22.2%	4%
Brokered Deposits	n/a	n/a	7.9%	8.0%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
C&I	4.5% -1.6pp YoY -0.4pp QoQ	-7.1pp	11.6%	14.7%	12.5%	17%
CRE	44.0% +5.9pp YoY -1.6pp QoQ	+4.4pp	39.5%	37.9%	41.4%	60%
1-4 Family	46.3% -2.5pp YoY +1.6pp QoQ	+13.6pp	32.6%	28.3%	31.3%	78%
Consumer	0.3% 0.0pp YoY -0.1pp QoQ	-3.8pp	4.1%	5.4%	5.0%	12%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	19.9%	19.7%	n/a
Leverage Ratio	13.2% 0.0pp YoY -0.1pp QoQ	+1.0pp	12.2%	12.2%	12.6%	76%
Total Capital Ratio	n/a	n/a	19.9%	20.9%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Full-Time Employees	48 +1 (+2.1%) YoY 0 QoQ	-11	58	228	482	50%
Assets per Employee ($)	$3.6M +3.9% YoY +0.7% QoQ	-$3.9M	$7.5M	$8.3M	$8.8M	3%
Branch Count	3 0 YoY 0 QoQ	-2	4	10	18	26%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.4%	0.4%	n/a
Nonaccrual	1.8% -0.3pp QoQ	+0.9pp	0.9%	1.1%	1.0%	85%
Allowance Coverage	0.30x +14.2% QoQ	-23.85x	24.15x	5.62x	20.23x	4%
Net Charge-off Rate (YTD)	0.1% -0.4pp YoY -0.1pp QoQ	0.0pp	0.1%	0.1%	0.2%	77%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
ROE	3.2% +0.9pp YoY -0.3pp QoQ	-9.0pp	12.2%	10.5%	11.6%	8%
Cost of Funds (YTD)	2.6% -0.1pp YoY 0.0pp QoQ	+0.9pp	1.7%	1.6%	1.7%	91%
Net Income ($, YTD)	$406,000 +44.5% YoY — QoQ	-$2.1M	$2.6M	$11.7M	$40.4M	9%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Revenue Diversifier

growth

#317 of 661 • Top 47.8% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.72%

(Tier: 0.57%, National: 0.66%)

better than tier avg

Return on Assets: 0.47%

(Tier: 1.32%, National: 1.30%)

but worse than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank declining

Concerns (1)

Efficiency Drag

risk

#151 of 361 • Bottom 41.5% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 82.77%

(Tier: 64.48%, National: 70.05%)

worse than tier avg

361 of 361 Community banks match · 426 nationally

↓ Shrinking -64 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (2 metrics)

147

Non-Interest Income / Assets

revenue_mix

Value: 0.72%

Peer Median: 0.57%

#147 of 2643 Top 5.5% in $100M-$1B

577

Net Interest Margin

profitability

Value: 4.46%

Peer Median: 3.99%

#577 of 2643 Top 21.8% in $100M-$1B

Top Weaknesses (7 metrics)

2538

Non-Interest-Bearing Deposit Share

funding

Value: 5.45%

Peer Median: 22.03%

#2538 of 2643 Bottom 4.0% in $100M-$1B

2351

Efficiency Ratio

profitability

Value: 82.77%

Peer Median: 64.48%

#2351 of 2643 Bottom 11.1% in $100M-$1B

2338

Return on Assets

profitability

Value: 0.47%

Peer Median: 1.32%

#2338 of 2643 Bottom 11.6% in $100M-$1B

2240

Delinquency Rate

credit_quality

Value: 1.79%

Peer Median: 0.92%

#2240 of 2633 Bottom 15.0% in $100M-$1B

2243

Nonperforming Asset Ratio

credit_quality

Value: 1.29%

Peer Median: 0.67%

#2243 of 2643 Bottom 15.2% in $100M-$1B

2127

Total Deposits

size

Value: $144.34M

Peer Median: $326.73M

#2127 of 2643 Bottom 19.6% in $100M-$1B

2120

Total Assets

size

Value: $173.62M

Peer Median: $386.57M

#2120 of 2643 Bottom 19.8% in $100M-$1B