BlastPoint's Banking Scorecard
Waterman Bank
Micro
Specialty: Commercial
IL
FDIC cert 10878
Designations: ✓ Community bank
Waterman, IL
2498
banks in Micro tier nationally
227 in IL
View Micro leaderboard (IL) →
Waterman Bank has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest Income / Assets 0.67% above tier
Key Concerns
Areas that may need attention
- - Non-Interest-Bearing Deposit Share 16.15% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$166.9M
+7.1% YoY
+0.7% QoQ
|
-$50.6M |
$217.5M
+2.3% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
42% |
| Total Loans ? |
$116.6M
+12.6% YoY
+5.1% QoQ
|
-$22.6M |
$139.2M
+2.8% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
49% |
| Total Deposits ? |
$138.1M
+7.8% YoY
+0.5% QoQ
|
-$45.5M |
$183.7M
+1.8% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
42% |
| Return on Assets ? |
0.49%
-32.3% YoY
+16.6% QoQ
|
-0.59% |
1.08%
+14.7% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
18% |
| Net Interest Margin ? |
4.62%
-12.2% YoY
+2.1% QoQ
|
+0.77% |
3.85%
+6.6% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
82% |
| Efficiency Ratio ? |
82.61%
+5.9% YoY
-1.5% QoQ
|
+14.88% |
67.73%
-4.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
17% |
| Delinquency Rate ? |
1.94%
+283.5% YoY
|
+1.30% |
0.64%
+24.4% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
Bottom 13% in tier |
| Loan-to-Deposit Ratio ? |
84.43%
+4.4% YoY
+4.6% QoQ
|
+9.90% |
74.53%
+0.5% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
33% |
| Non-Interest-Bearing Deposit Share ? |
6.25%
+15.4% YoY
|
-16.15% |
22.39%
-1.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
Bottom 6% in tier |
| Nonperforming Asset Ratio ? |
1.36%
+302.9% YoY
|
+0.91% |
0.45%
+25.1% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
Bottom 13% in tier |
| Tier 1 Capital Ratio ? |
19.28%
+3.6% YoY
-8.3% QoQ
|
+10.43% |
8.85%
-3.4% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
85% |
| Non-Interest Income / Assets ? |
1.24%
+20.4% YoY
+45.5% QoQ
|
+0.67% |
0.56%
+0.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
Top 6% in tier |
Signature Analysis
Strengths (1)
Non-Interest Income / Assets
metric
Top 6%
in Micro
Why this stands out
Current:
1.24%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (1)
Non-Interest-Bearing Deposit Share
metric
Bottom 6%
in Micro
Why this stands out
Current:
6.25%
(Tier avg: 22.39%, National avg: 21.79%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
94
94th pctile
Non-Interest Income / Assets
Current: 1.24% · Tier avg: 0.56%
85
85th pctile
Tier 1 Capital Ratio
Current: 19.28% · Tier avg: 8.85%
82
82th pctile
Net Interest Margin
Current: 4.62% · Tier avg: 3.85%
49
49th pctile
Total Loans
Current: $116.6M · Tier avg: $139.2M
42
42th pctile
Total Assets
Current: $166.9M · Tier avg: $217.5M
42
42th pctile
Total Deposits
Current: $138.1M · Tier avg: $183.7M
33
33th pctile
Loan-to-Deposit Ratio
Current: 84.43% · Tier avg: 74.53%
18
18th pctile
Return on Assets
Current: 0.49% · Tier avg: 1.08%
17
17th pctile
Efficiency Ratio
Current: 82.61% · Tier avg: 67.73%
13
13th pctile
Delinquency Rate
Current: 1.94% · Tier avg: 0.64%
13
13th pctile
Nonperforming Asset Ratio
Current: 1.36% · Tier avg: 0.45%
6
6th pctile
Non-Interest-Bearing Deposit Share
Current: 6.25% · Tier avg: 22.39%
Top Weaknesses
6
6th pctile
Non-Interest-Bearing Deposit Share
Current: 6.25% · Tier avg: 22.39%
13
13th pctile
Nonperforming Asset Ratio
Current: 1.36% · Tier avg: 0.45%
13
13th pctile
Delinquency Rate
Current: 1.94% · Tier avg: 0.64%
17
17th pctile
Efficiency Ratio
Current: 82.61% · Tier avg: 67.73%
18
18th pctile
Return on Assets
Current: 0.49% · Tier avg: 1.08%
33
33th pctile
Loan-to-Deposit Ratio
Current: 84.43% · Tier avg: 74.53%
42
42th pctile
Total Deposits
Current: $138.1M · Tier avg: $183.7M
42
42th pctile
Total Assets
Current: $166.9M · Tier avg: $217.5M
49
49th pctile
Total Loans
Current: $116.6M · Tier avg: $139.2M
82
82th pctile
Net Interest Margin
Current: 4.62% · Tier avg: 3.85%
85
85th pctile
Tier 1 Capital Ratio
Current: 19.28% · Tier avg: 8.85%
94
94th pctile
Non-Interest Income / Assets
Current: 1.24% · Tier avg: 0.56%