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Waterfall Bank

$100M-$1B Specialty: Commercial FL FDIC cert 59265

Clearwater, FL

2 branches across FL

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 44 in FL.
  • Deposits +8.0% year over year ($330.3M on the books).
  • Delinquency rate 0.03%.
  • Return on assets -0.03%.
  • Efficiency ratio 95.61% vs a 64.48% peer average.
  • Loan-to-deposit ratio 114.11% 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 44 in FL
View $100M-$1B leaderboard (FL) →

Waterfall Bank has 1 strength 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

  • + Credit Quality Leader: Top 10.3% in tier

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 5.4% in tier
  • - Efficiency Drag: Bottom 42.9% in tier
  • - Return on Assets 1.36% below tier average
  • - Loan-to-Deposit Ratio 36.16% above tier average
  • - Net Interest Margin 0.61% below tier average
Get updates when Waterfall Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
Total Assets ? $409.9M
+17.1% YoY -2.8% QoQ
+$23.4M $386.6M
+1.2% YoY
$4.3B
+7.0% YoY
$6.3B
+7.7% YoY
62%
Total Loans ? $376.9M
+31.1% YoY -0.3% QoQ
+$118.6M $258.3M
+1.7% YoY
$3.0B
+8.2% YoY
$3.2B
+9.4% YoY
77%
Total Deposits ? $330.3M
+8.0% YoY -3.7% QoQ
+$3.6M $326.7M
+0.7% YoY
$3.5B
+7.0% YoY
$4.9B
+7.3% YoY
60%
Return on Assets ? -0.03%
-123.3% YoY +68.0% QoQ
-1.36% 1.32%
+10.8% YoY
0.62%
-8.3% YoY
1.30%
+12.1% YoY
Bottom 3.1% in tier
Net Interest Margin ? 3.38%
+7.4% YoY +4.4% QoQ
-0.61% 3.99%
+5.0% YoY
3.70%
+0.5% YoY
3.95%
+4.9% YoY
23%
Efficiency Ratio ? 95.61%
+15.9% YoY -2.0% QoQ
+31.13% 64.48%
-3.2% YoY
199.20%
+161.3% YoY
70.05%
+2.5% YoY
Bottom 3.0% in tier
Delinquency Rate ? 0.03%
-84.7% QoQ
-0.89% 0.92%
+15.7% YoY
0.61%
-2.0% YoY
0.98%
+16.3% YoY
83%
Loan-to-Deposit Ratio ? 114.11%
+21.4% YoY +3.6% QoQ
+36.16% 77.95%
+1.0% YoY
72.91%
-1.7% YoY
79.03%
+2.3% YoY
Bottom 2.0% in tier
Non-Interest-Bearing Deposit Share ? 10.46%
+6.8% YoY -5.3% QoQ
-11.57% 22.03%
-0.6% YoY
27.35%
-2.5% YoY
21.98%
-0.6% YoY
Bottom 11.5% in tier
Nonperforming Asset Ratio ? 0.02%
-84.3% QoQ
-0.64% 0.67%
+16.4% YoY
0.42%
-2.6% YoY
0.69%
+15.8% YoY
83%
Tier 1 Capital Ratio ? 13.45%
-0.6% YoY +3.2% QoQ
-2.45% 15.91%
+1.4% YoY
19.50%
+8.2% YoY
17.09%
+0.8% YoY
52%
Non-Interest Income / Assets ? 0.08%
+149.8% YoY +258.0% QoQ
-0.49% 0.57%
+7.6% YoY
1.02%
+6.4% YoY
0.66%
+5.2% YoY
Bottom 11.6% 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 (FL) National Avg Tier Percentile
Noninterest-Bearing 10.5%
+0.7pp YoY
-0.6pp QoQ
 -11.7pp 22.1% 27.7% 22.2% 11%
Brokered Deposits n/a n/a 7.9% 8.7% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
C&I 16.6%
-1.0pp YoY
+0.4pp QoQ
 +5.1pp 11.6% 12.9% 12.5% 81%
CRE 76.7%
+4.1pp YoY
-0.6pp QoQ
 +37.1pp 39.5% 50.6% 41.4% 96%
1-4 Family 7.5%
-3.0pp YoY
+0.1pp QoQ
 -25.2pp 32.6% 30.7% 31.3% 8%
Consumer 0.1%
-0.1pp YoY
0.0pp QoQ
 -4.0pp 4.1% 3.7% 5.0% 5%

Capital

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
CET1 Ratio 13.4%
-0.1pp YoY
+0.4pp QoQ
 -5.4pp 18.8% 19.8% 19.7% 33%
Leverage Ratio 12.6%
-0.4pp YoY
-0.3pp QoQ
 +0.5pp 12.2% 13.9% 12.6% 72%
Total Capital Ratio 14.3%
0.0pp YoY
+0.4pp QoQ
 -5.7pp 19.9% 21.1% 20.8% 30%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
Full-Time Employees 49
+11 (+28.9%) YoY
+2 (+4.3%) QoQ
 -10 58 295 482 52%
Assets per Employee ($) $8.4M
-9.2% YoY
-6.8% QoQ
 +$848K $7.5M $10.3M $8.8M 72%
Branch Count 2
0 YoY
0 QoQ
 -3 4 13 18 11%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.3% 0.4% n/a
Nonaccrual 0.0%
-0.1pp QoQ
 -0.9pp 0.9% 0.7% 1.0% 7%
Allowance Coverage 31.65x
+532.4% QoQ
 +7.50x 24.15x 16.62x 20.23x 92%
Net Charge-off Rate (YTD) 0.2%
+0.2pp YoY
 0.0pp 0.1% 0.2% 0.2% 82%

Profitability

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
ROE -0.3%
-1.4pp YoY
+0.6pp QoQ
 -12.5pp 12.2% 9.3% 11.6% 3%
Cost of Funds (YTD) 2.9%
-0.3pp YoY
0.0pp QoQ
 +1.2pp 1.7% 1.8% 1.7% 97%
Net Income ($, YTD) $-70000.0
-130.4% YoY
— QoQ
 -$2.6M $2.6M $25.2M $40.4M 3%

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)

Credit Quality Leader

growth
#69 of 659 • Top 10.3% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.03%
(Tier: 0.92%, National: 0.98%)
better than tier avg
659 of 659 Community banks match · 920 nationally
→ Stable +1 banks QoQ

Concerns (2)

Credit Quality Pressure

risk
#69 of 1256 • Bottom 5.4% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.03%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank improving

Efficiency Drag

risk
#156 of 361 • Bottom 42.9% in tier

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

Why this signature
Efficiency Ratio: 95.61%
(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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

449
Delinquency Rate
credit_quality
Value: 0.03%
Peer Median: 0.92%
#449 of 2633 Top 17.0% in $100M-$1B
451
Nonperforming Asset Ratio
credit_quality
Value: 0.02%
Peer Median: 0.67%
#451 of 2643 Top 17.0% in $100M-$1B
615
Total Loans
size
Value: $376.94M
Peer Median: $258.35M
#615 of 2643 Top 23.2% in $100M-$1B

Top Weaknesses (6 metrics)

2591
Loan-to-Deposit Ratio
liquidity
Value: 114.11%
Peer Median: 77.95%
#2591 of 2643 Bottom 2.0% in $100M-$1B
2565
Efficiency Ratio
profitability
Value: 95.61%
Peer Median: 64.48%
#2565 of 2643 Bottom 3.0% in $100M-$1B
2561
Return on Assets
profitability
Value: -0.03%
Peer Median: 1.32%
#2561 of 2643 Bottom 3.1% in $100M-$1B
2339
Non-Interest-Bearing Deposit Share
funding
Value: 10.46%
Peer Median: 22.03%
#2339 of 2643 Bottom 11.5% in $100M-$1B
2337
Non-Interest Income / Assets
revenue_mix
Value: 0.08%
Peer Median: 0.57%
#2337 of 2643 Bottom 11.6% in $100M-$1B
2043
Net Interest Margin
profitability
Value: 3.38%
Peer Median: 3.99%
#2043 of 2643 Bottom 22.7% in $100M-$1B
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