WaterStone Bank quarterly financials
As reported to the FDIC. Dollar values are period-end balances. Net income is for the single quarter, derived from the FDIC's year-to-date figures by subtracting the prior quarter's report. Ratios (ROA, ROE, NIM) are FDIC-computed annualized year-to-date values.
| Quarter | Assets | Deposits | Net loans | Equity | Net income | ROA | ROE | NIM | Noncurrent |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $2.3B | $1.5B | $1.8B | $339M | $6M | 1.06% | 7.06% | 2.99% | 0.41% |
| Q4 2025 | $2.3B | $1.5B | $1.8B | $338M | $8M | 1.17% | 7.91% | 2.80% | 0.34% |
| Q3 2025 | $2.3B | $1.4B | $1.8B | $333M | $8M | 1.11% | 7.52% | 2.70% | 0.32% |
| Q2 2025 | $2.3B | $1.4B | $1.8B | $327M | $8M | 0.97% | 6.53% | 2.63% | 0.45% |
| Q1 2025 | $2.2B | $1.4B | $1.8B | $329M | $3M | 0.55% | 3.67% | 2.56% | 0.42% |
| Q4 2024 | $2.2B | $1.4B | $1.8B | $328M | $5M | 0.82% | 5.68% | 2.27% | 0.31% |
| Q3 2024 | $2.2B | $1.3B | $1.8B | $327M | $5M | 0.79% | 5.49% | 2.18% | 0.29% |
| Q2 2024 | $2.3B | $1.3B | $1.9B | $320M | $6M | 0.77% | 5.37% | 2.14% | 0.29% |
| Q1 2024 | $2.2B | $1.2B | $1.8B | $321M | $3M | 0.54% | 3.72% | 2.21% | 0.26% |
| Q4 2023 | $2.2B | $1.2B | $1.8B | $319M | $-156K | 0.42% | 2.82% | 2.58% | 0.26% |
| Q3 2023 | $2.2B | $1.3B | $1.8B | $314M | $3M | 0.57% | 3.83% | 2.65% | 0.23% |
| Q2 2023 | $2.2B | $1.3B | $1.8B | $317M | $4M | 0.56% | 3.75% | 2.77% | 0.23% |
Transcribed from FDIC BankFind Suite quarterly financial data (Call Report-derived). Income in Call Reports is filed year-to-date; per-quarter net income shown here is the difference between consecutive reports within the same year. NIM = net interest margin; “Noncurrent” = noncurrent loans as a share of total loans. These figures describe reported financials only and are not a safety rating or a prediction about the institution.