BlastPoint's Banking Scorecard
WaterStone Bank, SSB
Community
Specialty: Commercial
WI
FDIC cert 28513
Wauwatosa, WI
1484
banks in Community tier nationally
63 in WI
View Community leaderboard (WI) →
WaterStone Bank, SSB has 3 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 17% in Community
- + Loan-to-Deposit Ratio 39.08% above tier
- + Tier 1 Capital Ratio 9.23% above tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 7% in Community
- - Credit Quality Pressure: Bottom 19% in Community
- - Non-Interest-Bearing Deposit Share 13.55% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.3B
+2.3% YoY
-0.4% QoQ
|
+$867.7M |
$1.4B
+2.0% YoY
|
$1.1B
+5.1% YoY
|
$5.9B
+6.5% YoY
|
83% |
| Total Loans ? |
$1.8B
+0.3% YoY
-1.6% QoQ
|
+$827.7M |
$975.5M
+2.4% YoY
|
$768.8M
+4.7% YoY
|
$3.1B
+8.5% YoY
|
Top 14% in tier |
| Total Deposits ? |
$1.5B
+5.5% YoY
+2.9% QoQ
|
+$311.6M |
$1.2B
+1.7% YoY
|
$858.9M
+4.5% YoY
|
$4.7B
+6.3% YoY
|
76% |
| Return on Assets ? |
1.17%
+42.8% YoY
+5.4% QoQ
|
+0.01% |
1.16%
+17.2% YoY
|
1.12%
+22.4% YoY
|
1.12%
+15.6% YoY
|
54% |
| Net Interest Margin ? |
2.80%
+23.1% YoY
+3.5% QoQ
|
-0.87% |
3.66%
+9.1% YoY
|
3.60%
+10.9% YoY
|
3.75%
+7.1% YoY
|
Bottom 11% in tier |
| Efficiency Ratio ? |
77.41%
-6.4% YoY
-1.2% QoQ
|
+14.78% |
62.63%
-5.3% YoY
|
64.76%
-6.6% YoY
|
65.09%
-5.1% YoY
|
Bottom 13% in tier |
| Delinquency Rate ? |
0.34%
+8.7% YoY
+4.7% QoQ
|
-0.29% |
0.63%
+18.3% YoY
|
0.52%
+44.6% YoY
|
0.66%
+20.3% YoY
|
57% |
| Loan-to-Deposit Ratio ? |
122.15%
-5.0% YoY
-4.4% QoQ
|
+39.08% |
83.06%
+0.3% YoY
|
85.80%
+1.3% YoY
|
78.04%
+0.7% YoY
|
Top 1% in tier |
| Non-Interest-Bearing Deposit Share ? |
7.50%
-0.4% YoY
-12.3% QoQ
|
-13.55% |
21.05%
-0.9% YoY
|
18.83%
-1.2% YoY
|
21.79%
-1.3% YoY
|
Bottom 6% in tier |
| Nonperforming Asset Ratio ? |
0.29%
+4.5% YoY
+9.0% QoQ
|
-0.21% |
0.50%
+20.3% YoY
|
0.37%
+20.8% YoY
|
0.48%
+20.8% YoY
|
55% |
| Tier 1 Capital Ratio ? |
19.47%
+1.4% YoY
+3.7% QoQ
|
+9.23% |
10.24%
-0.6% YoY
|
8.70%
-2.9% YoY
|
9.75%
-1.9% YoY
|
Top 7% in tier |
| Non-Interest Income / Assets ? |
3.73%
-6.2% YoY
+34.7% QoQ
|
+2.99% |
0.74%
-1.3% YoY
|
0.58%
+3.9% YoY
|
0.65%
+0.6% YoY
|
Top 2% in tier |
Signature Analysis
Strengths (3)
Revenue Diversifier
growth
#63 of 371 · Top 17% in Community
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
3.73%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
1.17%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank improving
Loan-to-Deposit Ratio
metric
Top 1%
in Community
Why this stands out
Current:
122.15%
(Tier avg: 83.06%, National avg: 78.04%)
Tier 1 Capital Ratio
metric
Top 7%
in Community
Why this stands out
Current:
19.47%
(Tier avg: 10.24%, National avg: 9.75%)
Concerns (3)
Liquidity Overhang
risk
#20 of 268 · Bottom 7% in Community
Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Why this signature
Tier 1 Risk-Based Capital Ratio:
19.47%
(Tier: 10.24%, National: 9.75%)
Loan-to-Deposit Ratio:
122.15%
(Tier: 83.06%, National: 78.04%)
268 of 268 Community banks match
·
314 nationally
→ Stable
+6 banks QoQ
|
QoQ rank improving
Credit Quality Pressure
risk
#153 of 808 · Bottom 19% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.34%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
|
QoQ rank declining
Non-Interest-Bearing Deposit Share
metric
Bottom 6%
in Community
Why this stands out
Current:
7.50%
(Tier avg: 21.05%, 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
99
99th pctile
Loan-to-Deposit Ratio
Current: 122.15% · Tier avg: 83.06%
98
98th pctile
Non-Interest Income / Assets
Current: 3.73% · Tier avg: 0.74%
93
93th pctile
Tier 1 Capital Ratio
Current: 19.47% · Tier avg: 10.24%
86
86th pctile
Total Loans
Current: $1.8B · Tier avg: $975.5M
83
83th pctile
Total Assets
Current: $2.3B · Tier avg: $1.4B
76
76th pctile
Total Deposits
Current: $1.5B · Tier avg: $1.2B
57
57th pctile
Delinquency Rate
Current: 0.34% · Tier avg: 0.63%
55
55th pctile
Nonperforming Asset Ratio
Current: 0.29% · Tier avg: 0.50%
54
54th pctile
Return on Assets
Current: 1.17% · Tier avg: 1.16%
13
13th pctile
Efficiency Ratio
Current: 77.41% · Tier avg: 62.63%
11
11th pctile
Net Interest Margin
Current: 2.80% · Tier avg: 3.66%
6
6th pctile
Non-Interest-Bearing Deposit Share
Current: 7.50% · Tier avg: 21.05%
Top Weaknesses
6
6th pctile
Non-Interest-Bearing Deposit Share
Current: 7.50% · Tier avg: 21.05%
11
11th pctile
Net Interest Margin
Current: 2.80% · Tier avg: 3.66%
13
13th pctile
Efficiency Ratio
Current: 77.41% · Tier avg: 62.63%
54
54th pctile
Return on Assets
Current: 1.17% · Tier avg: 1.16%
55
55th pctile
Nonperforming Asset Ratio
Current: 0.29% · Tier avg: 0.50%
57
57th pctile
Delinquency Rate
Current: 0.34% · Tier avg: 0.63%
76
76th pctile
Total Deposits
Current: $1.5B · Tier avg: $1.2B
83
83th pctile
Total Assets
Current: $2.3B · Tier avg: $1.4B
86
86th pctile
Total Loans
Current: $1.8B · Tier avg: $975.5M
93
93th pctile
Tier 1 Capital Ratio
Current: 19.47% · Tier avg: 10.24%
98
98th pctile
Non-Interest Income / Assets
Current: 3.73% · Tier avg: 0.74%
99
99th pctile
Loan-to-Deposit Ratio
Current: 122.15% · Tier avg: 83.06%