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Waterstone Bank, SSB
Wauwatosa, WI · FDIC Certificate #28513 · Chartered 01/0
Total assets
$2.25B
Total deposits
$1.47B
Total equity
$331.50M
Net loans
$1.82B
Branches (offices)
16
Net income (YTD)
$14.41M
Rank: #550 of 4,213 U.S. banks by assets · #13 of 153 in Wisconsin. Assets changed -0.1% and deposits 3.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.28% |
| Return on equity | 8.57% |
| Net interest margin (YTD) | 3.06% |
| Equity to assets | 14.71% |
| Tier 1 leverage ratio | 15.43% |
| Uninsured deposits (share of deposits) | 26.8% |
| Noncurrent loans (share of loans) | 0.36% |
| Net charge-offs (share of loans) | -0.00% |
| Loans to deposits | 123.7% |
| Real estate loans (share of loans) | 99.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.80B | 99.1% | |
| Commercial & industrial | $35.59M | 2.0% | |
| Consumer / individual | $680.00K | 0.0% | |
| Construction & development | $67.94M | 3.7% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.93B | $1.29B | $13.34M | $331.19M |
| Jun 2023 | $2.23B | $1.25B | $5.98M | $316.60M |
| Jun 2024 | $2.29B | $1.27B | $8.60M | $320.07M |
| Jun 2025 | $2.26B | $1.43B | $10.70M | $326.97M |
| Jun 2026 | $2.25B | $1.47B | $14.41M | $331.50M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Wisconsin | $1.47B | 16 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.47B.
Similar-sized banks
South Central Bank, Inc. ($2.26B) · Bank Of Tennessee ($2.25B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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