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WaterStone Bank, SSB

$1B-$10B Specialty: Commercial WI FDIC cert 28513

Designations: ✓ Community bank

Wauwatosa, WI

16 branches across WI

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 885 banks in the $1B-$10B peer group nationwide — 1 of 30 in WI.
  • Deposits +3.0% year over year ($1.5B on the books).
  • Delinquency rate 0.36%.
  • Return on assets 1.28%.
  • Efficiency ratio 75.19% vs a 59.73% peer average.
  • Loan-to-deposit ratio 123.66% vs a 85.04% peer average.

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

885 banks in the $1B-$10B peer group nationally 30 in WI
View $1B-$10B leaderboard (WI) →

WaterStone Bank, SSB has 2 strengths but faces 6 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 22.5% in tier
  • + Delinquency Rate 0.51% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 9.9% in tier
  • - Flatlined Growth: Bottom 48.1% in tier
  • - Non-Interest-Bearing Deposit Share 13.61% below tier average
  • - ROA 0.11% below tier average
  • - Net Interest Margin 0.82% below tier average
  • - Efficiency Ratio 15.46% above tier average
Get updates when WaterStone Bank, SSB releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Total Assets ? $2.3B
-0.1% YoY +0.0% QoQ
-$540.4M $2.8B
-0.6% YoY
$1.2B
+13.5% YoY
$6.3B
+7.7% YoY
56%
Total Loans ? $1.8B
+0.5% YoY +0.4% QoQ
-$145.5M $2.0B
-0.3% YoY
$860.4M
+13.3% YoY
$3.2B
+9.4% YoY
63%
Total Deposits ? $1.5B
+3.0% YoY +0.3% QoQ
-$849.0M $2.3B
-0.5% YoY
$935.5M
+13.1% YoY
$4.9B
+7.3% YoY
45%
Return on Assets ? 1.28%
+32.1% YoY +20.7% QoQ
-0.11% 1.39%
+17.0% YoY
1.56%
+18.6% YoY
1.30%
+12.1% YoY
52%
Net Interest Margin ? 3.06%
+16.3% YoY +2.1% QoQ
-0.82% 3.87%
+6.2% YoY
3.83%
+8.5% YoY
3.95%
+4.9% YoY
17%
Efficiency Ratio ? 75.19%
-6.8% YoY -3.5% QoQ
+15.46% 59.73%
-12.6% YoY
62.90%
-5.1% YoY
70.05%
+2.5% YoY
Bottom 12.2% in tier
Delinquency Rate ? 0.36%
-20.7% YoY -13.0% QoQ
-0.51% 0.87%
+11.7% YoY
0.85%
+12.5% YoY
0.98%
+16.3% YoY
64%
Loan-to-Deposit Ratio ? 123.66%
-2.4% YoY +0.1% QoQ
+38.63% 85.04%
-0.1% YoY
87.22%
+0.9% YoY
79.03%
+2.3% YoY
Bottom 1.6% in tier
Non-Interest-Bearing Deposit Share ? 7.66%
-0.6% YoY +9.0% QoQ
-13.61% 21.27%
-1.5% YoY
18.65%
-1.9% YoY
21.98%
-0.6% YoY
Bottom 6.8% in tier
Nonperforming Asset Ratio ? 0.30%
-17.1% YoY -12.2% QoQ
-0.37% 0.67%
+11.7% YoY
0.63%
+16.4% YoY
0.69%
+15.8% YoY
61%
Tier 1 Capital Ratio ? 18.66%
-1.7% YoY -3.0% QoQ
+3.82% 14.84%
-0.4% YoY
15.02%
+1.5% YoY
17.09%
+0.8% YoY
Top 9.8% in tier
Non-Interest Income / Assets ? 1.95%
+8.3% YoY +118.8% QoQ
+1.43% 0.53%
+2.5% YoY
2.21%
+12.7% YoY
0.66%
+5.2% YoY
Top 2.7% 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 (WI) National Avg Tier Percentile
Noninterest-Bearing 7.7%
0.0pp YoY
+0.6pp QoQ
 -13.7pp 21.4% 18.9% 22.2% 6%
Brokered Deposits 4.9%
+0.4pp YoY
-2.4pp QoQ
 -4.5pp 9.5% 9.2% 8.5% 49%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
C&I 2.0%
+0.3pp YoY
+0.1pp QoQ
 -12.0pp 14.0% 10.5% 12.5% 5%
CRE 64.6%
+2.8pp YoY
+0.3pp QoQ
 +14.6pp 50.0% 46.4% 41.4% 82%
1-4 Family 34.5%
-3.1pp YoY
-0.4pp QoQ
 +8.1pp 26.4% 32.3% 31.3% 74%
Consumer 0.0%
0.0pp YoY
0.0pp QoQ
 -4.7pp 4.7% 2.6% 5.0% 6%

Capital

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
CET1 Ratio 18.7%
-0.3pp YoY
-0.6pp QoQ
 +3.1pp 15.6% 15.5% 19.7% 89%
Leverage Ratio 15.4%
+0.1pp YoY
-0.4pp QoQ
 +4.1pp 11.3% 12.6% 12.6% 94%
Total Capital Ratio 19.7%
-0.4pp YoY
-0.6pp QoQ
 +3.0pp 16.7% 16.6% 20.8% 88%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Full-Time Employees 607
+14 (+2.4%) YoY
+16 (+2.7%) QoQ
 +293 313 134 482 89%
Assets per Employee ($) $3.7M
-2.4% YoY
-2.6% QoQ
 -$6.8M $10.5M $8.2M $8.8M 2%
Branch Count 16
0 YoY
0 QoQ
 -4 20 9 18 53%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.2% 0.4% 0.4% n/a
Nonaccrual 0.4%
-0.1pp YoY
-0.1pp QoQ
 -0.5pp 0.8% 0.9% 1.0% 36%
Allowance Coverage 2.74x
+26.0% YoY
+15.6% QoQ
 -15.97x 18.71x 56.89x 20.23x 60%
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.0% 0.2% 10%

Profitability

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
ROE 8.6%
+2.0pp YoY
+1.5pp QoQ
 -4.0pp 12.6% 11.8% 11.6% 23%
Cost of Funds (YTD) 2.6%
-0.4pp YoY
0.0pp QoQ
 +0.7pp 1.9% 1.8% 1.7% 88%
Net Income ($, YTD) $14.4M
+34.7% YoY
— QoQ
 -$4.8M $19.2M $7.9M $40.4M 58%

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
#51 of 222 • Top 22.5% 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: 1.95%
(Tier: 0.53%, National: 0.66%)
better than tier avg
Return on Assets: 1.28%
(Tier: 1.39%, National: 1.30%)
but worse than tier avg
222 of 222 Mid-Market banks match · 923 nationally
→ Stable | QoQ rank improving

Concerns (2)

Liquidity Overhang

risk
#18 of 172 • Bottom 9.9% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 18.66%
(Tier: 14.84%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 123.66%
(Tier: 85.04%, National: 79.03%)
worse than tier avg
172 of 172 Mid-Market banks match · 940 nationally
→ Stable +7 banks QoQ

Flatlined Growth

risk
#79 of 162 • Bottom 48.1% 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: 1.28%
(Tier: 1.39%, National: 1.30%)
worse than tier avg
162 of 162 Mid-Market banks match · 719 nationally
→ Stable +34 banks QoQ

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).
Comparing against 885 peers in $1B-$10B

Top Strengths (2 metrics)

25
Non-Interest Income / Assets
revenue_mix
Value: 1.95%
Peer Median: 0.53%
#25 of 885 Top 2.7% in $1B-$10B
88
Tier 1 Capital Ratio
capital
Value: 18.66%
Peer Median: 14.84%
#88 of 885 Top 9.8% in $1B-$10B

Top Weaknesses (4 metrics)

872
Loan-to-Deposit Ratio
liquidity
Value: 123.66%
Peer Median: 85.04%
#872 of 885 Bottom 1.6% in $1B-$10B
826
Non-Interest-Bearing Deposit Share
funding
Value: 7.66%
Peer Median: 21.27%
#826 of 885 Bottom 6.8% in $1B-$10B
778
Efficiency Ratio
profitability
Value: 75.19%
Peer Median: 59.73%
#778 of 885 Bottom 12.2% in $1B-$10B
738
Net Interest Margin
profitability
Value: 3.06%
Peer Median: 3.87%
#738 of 885 Bottom 16.7% in $1B-$10B
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