E
Waterfall Bank
Rating Date
October 2025
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Waterfall Bank
Clearwater, FL
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Rating E
Asset Quality Index 7.30
Capitalization Index 10.00
Liquidity Index 0.60
Profitability Index 1.80
Stability Index 0.00
Company Info Waterfall Bank
Clearwater, FL
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FDIC Number 59265
Phone Number (727) 472-3599
Website www.waterfallbank.com
Asset Quality Waterfall Bank
Clearwater, FL
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1-Year Asset Growth 51.43%
5-Year Asset Growth --
5-Year Charge-Offs to Average Loans 0.00%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 0.00%
Non-Performing Loans to Capital 0.00%
Non-Performing Loans to Loans 0.00%
Balance Sheet Waterfall Bank
Clearwater, FL
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Total Assets 350.06M
Total Deposits 305.78M
Capital and Reserves Waterfall Bank
Clearwater, FL
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Capital 42.27M
Leverage Ratio 13.09
Loan Loss Reserves to Loans 0.81%
Risk-Based Capital Ratio 14.29
Liquidity Waterfall Bank
Clearwater, FL
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Hot Money Ratio 19.99%
Liquidity Ratio 16.43%
Profitability Waterfall Bank
Clearwater, FL
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5-Year Return on Average Assets --
Net Income 230.00K
Net Interest Spread 3.11%
Operating Profit to Average Assets 0.20%
Overhead Efficiency Ratio 82.49%
Return on Assets 0.15%
Return on Equity 1.10%