C
WaterStone Bank
Rating Date
June 2025
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings WaterStone Bank
Wauwatosa, WI
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Rating C
Asset Quality Index 7.70
Capitalization Index 10.00
Liquidity Index 1.40
Profitability Index 3.20
Stability Index 10.00
Company Info WaterStone Bank
Wauwatosa, WI
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FDIC Number 28513
Phone Number (414) 761-1000
Website www.wsbonline.com
Asset Quality WaterStone Bank
Wauwatosa, WI
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1-Year Asset Growth -2.59%
5-Year Asset Growth 2.15%
5-Year Charge-Offs to Average Loans -0.02%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 0.35%
Non-Performing Loans to Capital 2.05%
Non-Performing Loans to Loans 0.42%
Balance Sheet WaterStone Bank
Wauwatosa, WI
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Total Assets 2.17B
Total Deposits 1.41B
Capital and Reserves WaterStone Bank
Wauwatosa, WI
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Capital 328.72M
Leverage Ratio 15.86
Loan Loss Reserves to Loans 1.01%
Risk-Based Capital Ratio 20.68
Liquidity WaterStone Bank
Wauwatosa, WI
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Hot Money Ratio 36.58%
Liquidity Ratio 13.91%
Profitability WaterStone Bank
Wauwatosa, WI
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5-Year Return on Average Assets 1.84%
Net Income 3.02M
Net Interest Spread 2.53%
Operating Profit to Average Assets 0.71%
Overhead Efficiency Ratio 88.87%
Return on Assets 0.56%
Return on Equity 3.67%