Waterman Bank (FDIC #10878): Bank Stress & Real-Estate Credit Exposure

Waterman Bank (FDIC Cert #10878): bank stress 64/100, elevated, STABLE over 7 days; parent WATERMAN ACQUISITION GROUP LLC.

Waterman Bank (#10878) lends in 3 counties across 1 state; Waterman Bank (#10878) reaches 227 ZIP codes: Illinois 3 counties, 227 ZIPs.

Waterman Bank (#10878) largest markets: Cook County, IL (178 branches, 178 ZIPs) (#10878), Kane County, IL (34 branches, 34 ZIPs) (#10878), Dekalb County, IL (22 branches, 22 ZIPs) (#10878).

Waterman Bank (#10878) reports $173.6 million in total assets; Waterman Bank (#10878) equity $25.7 million (14.8% of Waterman Bank (#10878) assets); Waterman Bank (#10878) domestic deposits $144.3 million; Waterman Bank (#10878) net income $406,000; Waterman Bank (#10878) return on assets 0.47%; Waterman Bank (#10878) return on equity 3.18%; Waterman Bank (#10878) net interest income $3.6 million; Waterman Bank (#10878) call report June 30, 2026.

Waterman Bank (#10878) noncurrent real-estate loans 0.12% of its book; Waterman Bank (#10878) residential 0.39%; Waterman Bank (#10878) net charge-offs on real estate 1.98%; Waterman Bank (#10878) residential charge-offs 6.94%.

Waterman Bank (#10878) net interest margin 4.46% against an eight-quarter Waterman Bank (#10878) average of 4.70% (Waterman Bank (#10878) compression 0.24 points); Waterman Bank (#10878) real-estate loans 11.7% of equity; Waterman Bank (#10878) non-residential real estate 693.7% of equity; Waterman Bank (#10878) rate-exposure score 40/100, Waterman Bank (#10878) fixed-rate trap 40/100; Waterman Bank (#10878) risk type credit driven; Waterman Bank (#10878) rate regime rates elevated, Waterman Bank (#10878) snapshot October 20, 2026.

Waterman Bank (#10878) stress score moved from 61.1 on June 22, 2026 to 64 on October 20, 2026; Waterman Bank (#10878) ranged 61.1 to 64 over 117 snapshots.

Waterman Bank (#10878) alerts: 3 counties; top Waterman Bank (#10878) alert scores: Montgomery County, IL 46 (moderate); Chicago County, IL 23 (low); Waterman County, IL 23 (low).