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Waterman Bank
Waterman, IL · FDIC Certificate #10878 · Chartered 08/2
Total assets
$173.62M
Total deposits
$144.34M
Total equity
$25.73M
Net loans
$124.91M
Branches (offices)
3
Net income (YTD)
$406.00K
Rank: #3,155 of 4,213 U.S. banks by assets · #219 of 322 in Illinois. Assets changed 6.1% and deposits 6.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.47% |
| Return on equity | 3.18% |
| Net interest margin (YTD) | 4.46% |
| Equity to assets | 14.82% |
| Tier 1 leverage ratio | 13.20% |
| Uninsured deposits (share of deposits) | 27.1% |
| Noncurrent loans (share of loans) | 1.78% |
| Net charge-offs (share of loans) | 0.10% |
| Loans to deposits | 86.5% |
| Real estate loans (share of loans) | 90.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $113.02M | 90.5% | |
| Commercial & industrial | $5.57M | 4.5% | |
| Consumer / individual | $427.00K | 0.3% | |
| Construction & development | $12.02M | 9.6% | |
| Agricultural | $6.56M | 5.3% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $92.97M | $74.79M | $142.00K | $15.73M |
| Jun 2023 | $156.07M | $131.54M | $876.00K | $22.22M |
| Jun 2024 | $152.28M | $125.69M | $471.00K | $23.45M |
| Jun 2025 | $163.60M | $135.86M | $281.00K | $24.82M |
| Jun 2026 | $173.62M | $144.34M | $406.00K | $25.73M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Illinois | $144.34M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $144.34M.
Similar-sized banks
The First National Bank Of Scott City ($173.76M) · The Community Bank ($173.53M)
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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