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Waterfall Bank
Clearwater, FL · FDIC Certificate #59265 · Chartered 09/2
Total assets
$409.93M
Total deposits
$330.33M
Total equity
$52.83M
Net loans
$376.94M
Branches (offices)
1
Net income (YTD)
-$70.00K
Rank: #2,037 of 4,213 U.S. banks by assets · #48 of 81 in Florida. Assets changed 17.1% and deposits 8.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | -0.03% |
| Return on equity | -0.26% |
| Net interest margin (YTD) | 3.38% |
| Equity to assets | 12.89% |
| Tier 1 leverage ratio | 12.64% |
| Uninsured deposits (share of deposits) | 61.5% |
| Noncurrent loans (share of loans) | 0.03% |
| Net charge-offs (share of loans) | 0.15% |
| Loans to deposits | 114.1% |
| Real estate loans (share of loans) | 84.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $317.18M | 84.1% | |
| Commercial & industrial | $62.62M | 16.6% | |
| Consumer / individual | $325.00K | 0.1% | |
| Construction & development | $38.67M | 10.3% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $104.87M | $63.52M | -$1.37M | $41.23M |
| Jun 2023 | $153.99M | $97.50M | -$162.00K | $40.90M |
| Jun 2024 | $231.17M | $188.15M | $99.00K | $41.20M |
| Jun 2025 | $350.06M | $305.78M | $230.00K | $42.27M |
| Jun 2026 | $409.93M | $330.33M | -$70.00K | $52.83M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Florida | $330.33M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $330.33M.
Similar-sized banks
First State Bank Southwest ($409.94M) · Commercial Banking Company ($409.51M)
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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