E
Waterfall Bank
Rating Date
August 2026
Risk Based
Capital Ratio
14.27
Leverage
Ratio
12.64
Return On
Assets
-0.03%
Total
Assets
409.93M
Capital
52.83M
Total
Deposits
330.33M
Net
Income
-70.00K
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Weiss Ratings Waterfall Bank
Clearwater, FL 		Click to
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Rating E
Asset Quality Index 7.20
Capitalization Index 10.00
Liquidity Index 0.10
Profitability Index 1.50
Stability Index 0.00
Company Info Waterfall Bank
Clearwater, FL 		Click to
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FDIC Number 59265
Phone Number (727) 472-3599
Website www.waterfallbank.com
Asset Quality Waterfall Bank
Clearwater, FL 		Click to
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1-Year Asset Growth 17.10%
5-Year Asset Growth --
5-Year Charge-Offs to Average Loans 0.00%
Charge-Offs to Average Loans 0.15%
Non-Performing Assets to Assets 0.02%
Non-Performing Loans to Capital 0.18%
Non-Performing Loans to Loans 0.03%
Balance Sheet Waterfall Bank
Clearwater, FL 		Click to
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Total Assets 409.93M
Total Deposits 330.33M
Capital and Reserves Waterfall Bank
Clearwater, FL 		Click to
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Capital 52.83M
Leverage Ratio 12.64
Loan Loss Reserves to Loans 0.83%
Risk-Based Capital Ratio 14.27
Liquidity Waterfall Bank
Clearwater, FL 		Click to
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Hot Money Ratio 22.18%
Liquidity Ratio 5.90%
Profitability Waterfall Bank
Clearwater, FL 		Click to
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5-Year Return on Average Assets --
Net Income -70.00K
Net Interest Spread 3.32%
Operating Profit to Average Assets -0.04%
Overhead Efficiency Ratio 95.61%
Return on Assets -0.03%
Return on Equity -0.27%