Waterman Bank

BankWaterman, Illinois
www.watermanbank.com

Total Assets

$166.9M

Total Deposits

$138.1M

Branches

3

Established

1908

TFS Health Grade

$
C

74.7 / 100

Average financial health

How we grade

Waterman Bank is a bank headquartered in Waterman, Illinois, established in 1908. With $166.9M in total assets and 3 branch locations, it has a TFS Financial Health Grade of C (74.7/100).

Capital & Safety

Tier 1 Capital Ratio
13.39%(8%)
Total Capital Ratio
19.86%(10%)
Non-Performing Loan Ratio
1.93%

Profitability

Return on Assets (ROA)
0.49%(1%)
Return on Equity (ROE)
3.26%(10%)
Net Interest Margin
4.62%
Efficiency Ratio
82.61%(60%)

Lending & Liquidity

Total Loans
$117.2M
Loan-to-Deposit Ratio
84.43%
Net Charge-Off Ratio
0.26%

Growth

Asset Growth (YoY)
+7.12%
Deposit Growth (YoY)
+7.78%
Net Income
$811.0K

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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