BlastPoint's Banking Scorecard

Waterman Bank

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

Waterman, IL

3 branches across IL

2664 banks in the $100M-$1B peer group nationally 211 in IL

Waterman Bank has 2 strengths but faces 5 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 32.1% in tier
+ Net Interest Margin 0.56% above tier average

Key Concerns

Areas that may need attention

- Flatlined Growth: Bottom 13.3% in tier
- Efficiency Drag: Bottom 43.7% in tier
- Non-Interest-Bearing Deposit Share 16.61% below tier average
- ROA 0.74% below tier average
- Delinquency Rate 1.22% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$172.4M +0.4% YoY +3.3% QoQ	-$213.7M	$386.1M +0.5% YoY	$2.3B +4.5% YoY	$6.2B +9.1% YoY	20%
Total Loans ?	$111.4M +20.2% YoY -4.4% QoQ	-$144.3M	$255.7M +1.1% YoY	$1.2B +5.3% YoY	$3.2B +10.8% YoY	23%
Total Deposits ?	$143.3M -0.4% YoY +3.7% QoQ	-$184.7M	$328.0M +0.1% YoY	$1.9B +3.9% YoY	$4.8B +8.2% YoY	19%
Return on Assets ?	0.53% +76.4% YoY +6.8% QoQ	-0.74%	1.27% +12.9% YoY	1.04% +3.0% YoY	1.23% +13.4% YoY	Bottom 13.7% in tier
Net Interest Margin ?	4.49% -1.5% YoY -2.9% QoQ	+0.56%	3.93% +6.0% YoY	3.61% +7.5% YoY	3.89% +5.7% YoY	82%
Efficiency Ratio ?	81.37% -6.3% YoY -1.5% QoQ	+16.08%	65.29% -4.5% YoY	63.68% -7.4% YoY	66.95% -4.1% YoY	Bottom 13.8% in tier
Delinquency Rate ?	2.11% +8.6% QoQ	+1.22%	0.89% +18.8% YoY	1.15% +15.6% YoY	0.95% +18.8% YoY	Bottom 11.4% in tier
Loan-to-Deposit Ratio ?	77.79% +20.7% YoY -7.9% QoQ	+1.15%	76.64% +0.8% YoY	71.92% +1.0% YoY	76.70% +0.9% YoY	51%
Non-Interest-Bearing Deposit Share ?	5.41% -13.6% YoY -13.5% QoQ	-16.61%	22.02% -1.0% YoY	20.45% -1.2% YoY	22.01% -1.2% YoY	Bottom 4.0% in tier
Nonperforming Asset Ratio ?	1.36% +0.5% QoQ	+0.73%	0.64% +19.7% YoY	0.78% +18.1% YoY	0.67% +19.3% YoY	Bottom 13.2% in tier
Tier 1 Capital Ratio ?	13.30% -42.0% YoY -31.0% QoQ	-2.53%	15.83% +1.5% YoY	16.97% +0.7% YoY	17.06% +0.8% YoY	50%
Non-Interest Income / Assets ?	0.39% +94.6% YoY -68.2% QoQ	+0.11%	0.28% +9.3% YoY	0.34% +6.9% YoY	0.32% +4.1% YoY	Top 4.6% in tier

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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

#215 of 666 • Top 32.1% 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: 0.39%

(Tier: 0.28%, National: 0.32%)

better than tier avg

Return on Assets: 0.53%

(Tier: 1.27%, National: 1.23%)

but worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Concerns (2)

Flatlined Growth

risk

#69 of 512 • Bottom 13.3% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 0.53%

(Tier: 1.27%, National: 1.23%)

worse than tier avg

512 of 512 Community banks match · 687 nationally

→ Stable +32 banks QoQ

Efficiency Drag

risk

#182 of 414 • Bottom 43.7% in tier

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

Why this signature

Efficiency Ratio: 81.37%

(Tier: 65.29%, National: 66.95%)

worse than tier avg

414 of 414 Community banks match · 492 nationally

→ Stable | QoQ rank declining

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 2664 peers in $100M-$1B

Top Strengths (2 metrics)

123

Non-Interest Income / Assets

revenue_mix

Value: 0.39%

Peer Median: 0.28%

#123 of 2664 Top 4.6% in $100M-$1B

491

Net Interest Margin

profitability

Value: 4.49%

Peer Median: 3.93%

#491 of 2664 Top 18.4% in $100M-$1B

Top Weaknesses (8 metrics)

2559

Non-Interest-Bearing Deposit Share

funding

Value: 5.41%

Peer Median: 22.02%

#2559 of 2664 Bottom 4.0% in $100M-$1B

2353

Delinquency Rate

credit_quality

Value: 2.11%

Peer Median: 0.89%

#2353 of 2654 Bottom 11.4% in $100M-$1B

2313

Nonperforming Asset Ratio

credit_quality

Value: 1.36%

Peer Median: 0.64%

#2313 of 2664 Bottom 13.2% in $100M-$1B

2300

Return on Assets

profitability

Value: 0.53%

Peer Median: 1.27%

#2300 of 2664 Bottom 13.7% in $100M-$1B

2297

Efficiency Ratio

profitability

Value: 81.37%

Peer Median: 65.29%

#2297 of 2664 Bottom 13.8% in $100M-$1B

2155

Total Deposits

size

Value: $143.25M

Peer Median: $327.97M

#2155 of 2664 Bottom 19.1% in $100M-$1B

2133

Total Assets

size

Value: $172.36M

Peer Median: $386.08M

#2133 of 2664 Bottom 20.0% in $100M-$1B

2046

Total Loans

size

Value: $111.43M

Peer Median: $255.72M

#2046 of 2664 Bottom 23.2% in $100M-$1B