WATERFALL BANK

CLEARWATER, FL · Supervised by FDIC

Est. 2021FDIC #59,265RSSD: FDIC-59265

Part ofWATERFALL BCORP INC→ View all charters

Satisfactory

Current rating · Exam: January 2024

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -0.11%

Institution Profile

FDIC BankFind

Website

www.waterfallbank.com

Address

500 Mclennan St, CLEARWATER, FL

County

Pinellas County

Established

September 20, 2021

Total Assets

$422M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

January 1, 2024

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

Estimated next exam:Jan 2028(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$422M

Total Deposits

$343M

Net Loans

$378M

Net Income

$-110K

ROA

-0.11%

ROE

-0.83%

Risk-Based Capital

13.86%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$306M

1-Year Change

5-year net change: +1 branches

This is the only examination on record for this bank.

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