Call reports 2026
WATERSTONE BANK — 2026
What WATERSTONE BANK reported to the FFIEC in 2026, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Total assets | 2,252,598,000 | 2,252,894,000 |
| Total loans | 1,828,662,000 | 1,835,569,000 |
| Allowance for loan losses | 17,709,000 | 17,884,000 |
| Securities available for sale | 237,024,000 | 237,348,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 1,465,485,000 | 1,469,847,000 |
| Interest-bearing deposits | 1,362,541,000 | 1,357,288,000 |
| Noninterest-bearing deposits | 102,944,000 | 112,559,000 |
| Equity capital | 339,063,000 | 331,501,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Interest income | 29,201,000 | 59,051,000 |
| Interest expense | 13,575,000 | 27,168,000 |
| Net interest income | 15,626,000 | 31,883,000 |
| Noninterest income | 20,117,000 | 44,028,000 |
| Noninterest expense | 27,962,000 | 57,289,000 |
| Provision for loan losses | 220,000 | 379,000 |
| Pretax income | 7,522,000 | 18,123,000 |
| Income tax | 1,548,000 | 3,714,000 |
| Net income | 5,974,000 | 14,409,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 351,454,000 | 344,037,000 |
| Total capital | 369,946,000 | 362,782,000 |
| Risk-weighted assets | 1,826,349,000 | 1,843,753,000 |