| Metric | WaterStone Bank, SSB | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.1% | +5.5% | -5.6 pts |
| Deposit growth (YoY) | +3.0% | +5.1% | -2.1 pts |
| Loan growth (YoY) | +0.5% | +5.9% | -5.4 pts |
| ROA | 1.28% | 1.26% | +0.0 pts |
| ROE | 8.6% | 12.2% | -3.6 pts |
ROA ranks in the 52nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.25B | $1.47B | $1.82B | $331.5M | $14.4M | 1.28% | 3.06% | 0.30% |
| Q1 2026 | $2.25B | $1.47B | $1.81B | $339.1M | $6.0M | 1.06% | 2.99% | 0.35% |
| Q4 2025 | $2.26B | $1.48B | $1.80B | $337.8M | $26.2M | 1.17% | 2.80% | 0.29% |
| Q3 2025 | $2.27B | $1.43B | $1.83B | $333.1M | $18.6M | 1.11% | 2.70% | 0.27% |
| Q2 2025 | $2.26B | $1.43B | $1.81B | $327.0M | $10.7M | 0.97% | 2.63% | 0.37% |
| Q1 2025 | $2.17B | $1.41B | $1.76B | $328.7M | $3.0M | 0.55% | 2.56% | 0.35% |
| Q4 2024 | $2.21B | $1.40B | $1.80B | $328.1M | $18.3M | 0.82% | 2.27% | 0.28% |
| Q3 2024 | $2.24B | $1.31B | $1.83B | $327.0M | $13.3M | 0.79% | 2.18% | 0.25% |
Loan mix (Q2 2026): real estate $1.80B · commercial $35.6M · consumer $680K · securities $237.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | WaterStone Bank, SSB | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.28% | 1.26% | 52th | |
Return on equity Annualized net income ÷ equity or net worth | 8.6% | 12.2% | 23th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.06% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.2% | 59.0% | 88th |
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% |
| Ratio | WaterStone Bank, SSB | 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% |
| Ratio | WaterStone Bank, SSB | 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% |
| Ratio | WaterStone Bank, SSB | 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% |
| Ratio | WaterStone Bank, SSB | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.