WATERFALL BANK
CLEARWATER, FLORIDA · FDIC Cert #59265
Capital & Safety Analysis
According to FDIC financial data, WATERFALL BANK holds a Tier 1 capital ratio of 20.13%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning WATERFALL BANK has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
WATERFALL BANK shows strong financial health indicators. With $231M in assets and a Health Score of 76/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
Frequently Asked Questions
WATERFALL BANK has a Bank Health Score of B (76/100). It holds a Tier 1 capital ratio of 20.13%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
WATERFALL BANK holds $231M in total assets and $188M in total deposits. It is located in CLEARWATER, FLORIDA (FDIC Certificate #59265).
WATERFALL BANK has a Tier 1 capital ratio of 20.13%, classifying it as "Well-Capitalized." The nonperforming loan ratio is 0.00%, and the return on assets is 0.14%.
Yes. WATERFALL BANK is FDIC-insured (Certificate #59265). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically regain access to funds within two business days.