Waterstone Bank SSB (FDIC #28513): Bank Stress & Real-Estate Credit Exposure
Waterstone Bank SSB (FDIC Cert #28513): bank stress 48/100, moderate, STABLE over 7 days; parent WATERSTONE FINANCIAL INC.
Waterstone Bank SSB (#28513) lends in 3 counties across 1 state; Waterstone Bank SSB (#28513) reaches 81 ZIP codes: Wisconsin 3 counties, 81 ZIPs.
Waterstone Bank SSB (#28513) largest markets: Milwaukee County, WI (407 branches, 37 ZIPs) (#28513), Waukesha County, WI (124 branches, 31 ZIPs) (#28513), Washington County, WI (18 branches, 18 ZIPs) (#28513).
Waterstone Bank SSB (#28513) reports $2.25 billion in total assets; Waterstone Bank SSB (#28513) equity $331.5 million (14.7% of Waterstone Bank SSB (#28513) assets); Waterstone Bank SSB (#28513) domestic deposits $1.47 billion; Waterstone Bank SSB (#28513) net income $14.4 million; Waterstone Bank SSB (#28513) return on assets 1.28%; Waterstone Bank SSB (#28513) return on equity 8.57%; Waterstone Bank SSB (#28513) net interest income $31.9 million; Waterstone Bank SSB (#28513) call report June 30, 2026.
Waterstone Bank SSB (#28513) noncurrent real-estate loans: none reported; Waterstone Bank SSB (#28513) net charge-offs on real estate 0.36%; Waterstone Bank SSB (#28513) multifamily charge-offs 0.03%; Waterstone Bank SSB (#28513) residential charge-offs 0.04%.
Waterstone Bank SSB (#28513) net interest margin 3.06% against an eight-quarter Waterstone Bank SSB (#28513) average of 2.65% (Waterstone Bank SSB (#28513) compression -0.41 points); Waterstone Bank SSB (#28513) non-residential real estate 3.6% of equity; Waterstone Bank SSB (#28513) rate-exposure score 40/100, Waterstone Bank SSB (#28513) fixed-rate trap 40/100; Waterstone Bank SSB (#28513) risk type credit driven; Waterstone Bank SSB (#28513) rate regime rates elevated, Waterstone Bank SSB (#28513) snapshot October 20, 2026.
Waterstone Bank SSB (#28513) stress score moved from 49.9 on June 22, 2026 to 48.4 on October 20, 2026; Waterstone Bank SSB (#28513) ranged 48.4 to 49.9 over 117 snapshots.
Waterstone Bank SSB (#28513) alerts: 3 counties; top Waterstone Bank SSB (#28513) alert scores: Germantown County, WI 19 (low); Oak Creek County, WI 19 (low); Pewaukee County, WI 19 (low).