Call reports 2026
WATERMAN BANK — 2026
What WATERMAN 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 | 172,363,000 | 173,623,000 |
| Total loans | 112,049,000 | 125,583,000 |
| Allowance for loan losses | 617,000 | 670,000 |
| Securities available for sale | 10,637,000 | 10,550,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 143,255,000 | 144,343,000 |
| Interest-bearing deposits | 135,512,000 | 136,481,000 |
| Noninterest-bearing deposits | 7,743,000 | 7,862,000 |
| Equity capital | 25,569,000 | 25,732,000 |
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 | 2,810,000 | 5,664,000 |
| Interest expense | 1,019,000 | 2,073,000 |
| Net interest income | 1,791,000 | 3,591,000 |
| Noninterest income | 678,000 | 1,256,000 |
| Noninterest expense | 2,061,000 | 4,116,000 |
| Provision for loan losses | 60,000 | 113,000 |
| Pretax income | 321,000 | 584,000 |
| Income tax | 98,000 | 178,000 |
| Net income | 223,000 | 406,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 22,112,000 | 22,347,000 |
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