First National Bank of Waterloo
Total assets
$929.3M
▲ +0.3% YoY
Deposits
$779.6M
▲ +0.7% YoY
Loans
$539.9M
▲ +3.2% YoY
Offices
16
FIRST WATERLOO BANCSHARES INC
ROA (annualized)
0.96%
peers 1.28%
ROE (annualized)
10.05%
peers 12.44%
Peer comparison 748 banks with 500M-1B in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.3% | +4.9% | -4.7 pts |
| Deposit growth (YoY) | +0.7% | +4.3% | -3.6 pts |
| Loan growth (YoY) | +3.2% | +5.3% | -2.2 pts |
| ROA | 0.96% | 1.28% | -0.3 pts |
| ROE | 10.1% | 12.4% | -2.4 pts |
ROA ranks in the 28th percentile of its peer group · Q2 2026
Profile
- Established
- 1912
- Charter
- OCC
- Primary regulator
- OCC
- Holding company
- FIRST WATERLOO BANCSHARES INC
- Specialization
- Commercial Lending Specialization
- Address
- 228 S Main St, Waterloo, IL, 62298
- County
- Monroe
- Metro area
- St. Louis, MO-IL
- Offices
- 16
- FDIC cert #
- 3842
- RSSD ID
- 145545
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $929.3M | $779.6M | $539.9M | $91.7M | $4.5M | 0.96% | 3.45% | 0.80% |
| Q1 2026 | $948.8M | $788.7M | $529.6M | $88.8M | $2.1M | 0.89% | 3.32% | 0.77% |
| Q4 2025 | $929.8M | $764.5M | $534.8M | $88.3M | $5.5M | 0.59% | 3.13% | 0.87% |
| Q3 2025 | $925.7M | $764.9M | $535.3M | $86.9M | $4.3M | 0.62% | 3.06% | 0.84% |
| Q2 2025 | $927.0M | $774.3M | $523.3M | $83.5M | $2.8M | 0.60% | 2.97% | 1.08% |
| Q1 2025 | $930.1M | $765.3M | $526.4M | $82.2M | $1.3M | 0.54% | 2.85% | 1.09% |
| Q4 2024 | $931.0M | $775.2M | $515.4M | $80.6M | $4.0M | 0.43% | 2.64% | 0.96% |
| Q3 2024 | $922.8M | $770.9M | $529.2M | $83.1M | $2.5M | 0.36% | 2.61% | 1.01% |
Loan mix (Q2 2026): real estate $471.3M · commercial $43.2M · consumer $4.1M · securities $273.0M
Ratio pack Q2 2026 · peer medians from 748 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.96% | 1.28% | 28th | |
Return on equity Annualized net income ÷ equity or net worth | 10.1% | 12.4% | 33th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.45% | 3.89% | 26th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.8% | 61.2% | 54th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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