BlastPoint's Banking Scorecard
Waterfall Bank
Micro
Specialty: Commercial
FL
FDIC cert 59265
Designations: ✓ Community bank
Clearwater, FL
2498
banks in Micro tier nationally
35 in FL
View Micro leaderboard (FL) →
Waterfall Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Loan-to-Deposit Ratio 41.33% above tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
- - Return on Assets 0.90% below tier
- - Non-Interest Income / Assets 0.50% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$408.9M
+43.8% YoY
+5.6% QoQ
|
+$191.4M |
$217.5M
+2.3% YoY
|
$4.1B
+13.2% YoY
|
$5.9B
+6.5% YoY
|
Top 11% in tier |
| Total Loans ? |
$351.3M
+39.6% YoY
+7.0% QoQ
|
+$212.1M |
$139.2M
+2.8% YoY
|
$2.9B
+14.7% YoY
|
$3.1B
+8.5% YoY
|
Top 2% in tier |
| Total Deposits ? |
$303.2M
+25.9% YoY
-4.2% QoQ
|
+$119.5M |
$183.7M
+1.8% YoY
|
$3.4B
+13.4% YoY
|
$4.7B
+6.3% YoY
|
82% |
| Return on Assets ? |
0.18%
-30.8% YoY
+17.5% QoQ
|
-0.90% |
1.08%
+14.7% YoY
|
1.01%
+12.7% YoY
|
1.12%
+15.6% YoY
|
Bottom 10% in tier |
| Net Interest Margin ? |
3.24%
-5.7% YoY
+2.2% QoQ
|
-0.61% |
3.85%
+6.6% YoY
|
3.69%
+4.1% YoY
|
3.75%
+7.1% YoY
|
23% |
| Efficiency Ratio ? |
80.81%
-3.6% YoY
+1.0% QoQ
|
+13.08% |
67.73%
-4.8% YoY
|
67.57%
-3.0% YoY
|
65.09%
-5.1% YoY
|
20% |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
0.34%
-31.5% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
115.86%
+10.9% YoY
+11.7% QoQ
|
+41.33% |
74.53%
+0.5% YoY
|
76.49%
+0.5% YoY
|
78.04%
+0.7% YoY
|
Top 2% in tier |
| Non-Interest-Bearing Deposit Share ? |
11.28%
+19.1% YoY
+20.0% QoQ
|
-11.11% |
22.39%
-1.3% YoY
|
27.37%
-1.6% YoY
|
21.79%
-1.3% YoY
|
Bottom 14% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.26%
-19.5% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
13.76%
-12.1% YoY
-9.1% QoQ
|
+4.91% |
8.85%
-3.4% YoY
|
11.37%
-0.5% YoY
|
9.75%
-1.9% YoY
|
67% |
| Non-Interest Income / Assets ? |
0.06%
+20.1% YoY
+34.4% QoQ
|
-0.50% |
0.56%
+0.3% YoY
|
0.85%
-7.6% YoY
|
0.65%
+0.6% YoY
|
Bottom 4% in tier |
Signature Analysis
Strengths (3)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Loan-to-Deposit Ratio
metric
Top 2%
in Micro
Why this stands out
Current:
115.86%
(Tier avg: 74.53%, National avg: 78.04%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Concerns (2)
Return on Assets
metric
Bottom 10%
in Micro
Why this stands out
Current:
0.18%
(Tier avg: 1.08%, National avg: 1.12%)
Non-Interest Income / Assets
metric
Bottom 4%
in Micro
Why this stands out
Current:
0.06%
(Tier avg: 0.56%, National avg: 0.65%)
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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
98
98th pctile
Loan-to-Deposit Ratio
Current: 115.86% · Tier avg: 74.53%
98
98th pctile
Total Loans
Current: $351.3M · Tier avg: $139.2M
89
89th pctile
Total Assets
Current: $408.9M · Tier avg: $217.5M
82
82th pctile
Total Deposits
Current: $303.2M · Tier avg: $183.7M
67
67th pctile
Tier 1 Capital Ratio
Current: 13.76% · Tier avg: 8.85%
23
23th pctile
Net Interest Margin
Current: 3.24% · Tier avg: 3.85%
20
20th pctile
Efficiency Ratio
Current: 80.81% · Tier avg: 67.73%
14
14th pctile
Non-Interest-Bearing Deposit Share
Current: 11.28% · Tier avg: 22.39%
10
10th pctile
Return on Assets
Current: 0.18% · Tier avg: 1.08%
4
4th pctile
Non-Interest Income / Assets
Current: 0.06% · Tier avg: 0.56%
Top Weaknesses
4
4th pctile
Non-Interest Income / Assets
Current: 0.06% · Tier avg: 0.56%
10
10th pctile
Return on Assets
Current: 0.18% · Tier avg: 1.08%
14
14th pctile
Non-Interest-Bearing Deposit Share
Current: 11.28% · Tier avg: 22.39%
20
20th pctile
Efficiency Ratio
Current: 80.81% · Tier avg: 67.73%
23
23th pctile
Net Interest Margin
Current: 3.24% · Tier avg: 3.85%
67
67th pctile
Tier 1 Capital Ratio
Current: 13.76% · Tier avg: 8.85%
82
82th pctile
Total Deposits
Current: $303.2M · Tier avg: $183.7M
89
89th pctile
Total Assets
Current: $408.9M · Tier avg: $217.5M
98
98th pctile
Total Loans
Current: $351.3M · Tier avg: $139.2M
98
98th pctile
Loan-to-Deposit Ratio
Current: 115.86% · Tier avg: 74.53%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%