BlastPoint's Banking Scorecard
WaterStone Bank, SSB
Designations: ✓ Community bank
Wauwatosa, WI
16 branches across WI
WaterStone Bank, SSB has 2 strengths but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 28.5% in tier
- + Delinquency Rate 0.48% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 10.3% in tier
- - Non-Interest-Bearing Deposit Share 14.26% below tier average
- - ROA 0.31% below tier average
- - Net Interest Margin 0.82% below tier average
- - Efficiency Ratio 16.83% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.3B
+3.6% YoY
-0.3% QoQ
|
-$563.1M |
$2.8B
-0.1% YoY
|
$1.1B
+10.1% YoY
|
$6.2B
+9.1% YoY
|
57% |
| Total Loans ? |
$1.8B
+2.8% YoY
+0.4% QoQ
|
-$153.9M |
$2.0B
+0.6% YoY
|
$816.7M
+9.9% YoY
|
$3.2B
+10.8% YoY
|
63% |
| Total Deposits ? |
$1.5B
+3.6% YoY
-0.7% QoQ
|
-$877.8M |
$2.3B
-0.3% YoY
|
$905.4M
+9.0% YoY
|
$4.8B
+8.2% YoY
|
44% |
| Return on Assets ? |
1.06%
+92.5% YoY
-9.6% QoQ
|
-0.31% |
1.37%
+19.6% YoY
|
1.50%
+15.4% YoY
|
1.23%
+13.4% YoY
|
38% |
| Net Interest Margin ? |
2.99%
+16.8% YoY
+7.1% QoQ
|
-0.82% |
3.82%
+6.9% YoY
|
3.77%
+9.2% YoY
|
3.89%
+5.7% YoY
|
17% |
| Efficiency Ratio ? |
77.89%
-12.1% YoY
+0.6% QoQ
|
+16.83% |
61.06%
-4.6% YoY
|
64.74%
-4.5% YoY
|
66.95%
-4.1% YoY
|
Bottom 10.3% in tier |
| Delinquency Rate ? |
0.41%
-1.9% YoY
+20.7% QoQ
|
-0.48% |
0.89%
+14.1% YoY
|
0.87%
+31.3% YoY
|
0.95%
+18.8% YoY
|
61% |
| Loan-to-Deposit Ratio ? |
123.57%
-0.8% YoY
+1.2% QoQ
|
+39.37% |
84.20%
+0.3% YoY
|
86.53%
+1.6% YoY
|
76.70%
+0.9% YoY
|
Bottom 1.9% in tier |
| Non-Interest-Bearing Deposit Share ? |
7.02%
-1.5% YoY
-6.3% QoQ
|
-14.26% |
21.29%
-2.5% YoY
|
18.27%
-0.8% YoY
|
22.01%
-1.2% YoY
|
Bottom 7.0% in tier |
| Nonperforming Asset Ratio ? |
0.35%
-0.4% YoY
+18.6% QoQ
|
-0.33% |
0.67%
+15.6% YoY
|
0.63%
+35.0% YoY
|
0.67%
+19.3% YoY
|
58% |
| Tier 1 Capital Ratio ? |
19.24%
-1.8% YoY
-1.2% QoQ
|
+4.08% |
15.16%
+2.0% YoY
|
14.74%
+0.5% YoY
|
17.06%
+0.8% YoY
|
Top 8.9% in tier |
| Non-Interest Income / Assets ? |
0.89%
+16.9% YoY
-76.1% QoQ
|
+0.64% |
0.26%
+1.6% YoY
|
1.15%
+12.5% YoY
|
0.32%
+4.1% YoY
|
Top 3.3% in tier |
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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 (1)
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Concerns (1)
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.