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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Oklahoma City, OK · FDIC certificate #59148
WATERMARK BANK is an FDIC-insured institution based in Oklahoma City, OK (FDIC certificate #59148). In its Q3 2026 Call Report it reported total assets of $504M, total deposits of $439M and net loans of $407M. Its primary federal regulator is FDIC.
Plain-language readout
WATERMARK BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $504M in Q3 2026 and were lowest at $430M in Q1 2026.
Total deposits were highest at $439M in Q3 2026 and lowest at $368M in Q1 2026.
Over the whole period total assets rose 17.2%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $504M | $439M | $407M | 1.31% | 10.46% | 4.29% |
| Q2 2026 | $451M | $387M | $376M | 1.34% | 10.36% | 4.26% |
| Q1 2026 | $430M | $368M | $354M | 1.21% | 9.25% | 4.18% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $14.8M | $9.4M | +$5.4M | +58.0% |
| Federal funds sold | $40.4M | $47.5M | -$7.1M | -14.9% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $9.2M | $9.2M | +$16K | +0.2% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $376.2M | $353.9M | +$22.3M | +6.3% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $5.6M | $5.7M | -$107K | -1.9% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $4.4M | $4.0M | +$386K | +9.7% |
| Total assets | $450.5M | $429.6M | +$21.0M | +4.9% |
| Liabilities | ||||
| Total deposits | $387.4M | $368.0M | +$19.3M | +5.3% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $0K | $0K | $0K | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $6.2M | $6.3M | -$97K | -1.5% |
| Total liabilities | $393.6M | $374.3M | +$19.2M | +5.1% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $37K | $37K | $0K | 0.0% |
| Surplus | $40.3M | $40.2M | +$104K | +0.3% |
| Retained earnings | $17.0M | $15.4M | +$1.6M | +10.4% |
| Accumulated other comprehensive income | -$316K | -$331K | +$15K | +4.5% |
| Other equity components | -$48K | -$48K | $0K | 0.0% |
| Total equity capital | $57.0M | $55.2M | +$1.7M | +3.1% |
| Credit and capital | ||||
| Gross nonperforming assets | $0K | $0K | $0K | n/a |
| Adjusted nonperforming assets | $0K | $0K | $0K | n/a |
| Tangible equity plus allowance | $61.7M | $59.7M | +$2.0M | +3.3% |
| Texas ratio (gross) | 0.00% | 0.00% | 0.00 pts | See points |
| Texas ratio (adjusted) | 0.00% | 0.00% | 0.00 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 0.00% | 0.00% | 0.00 pts | See points |
| Tier 1 capital to risk-weighted assets | 14.11% | 14.56% | -0.44 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 14.11% | 14.56% | -0.44 pts | See points |
| Tier 2 capital to risk-weighted assets | 1.25% | 1.25% | -0.00 pts | See points |
| Total risk-based capital to risk-weighted assets | 15.36% | 15.81% | -0.45 pts | See points |
| Tier 1 leverage (approximate) | 13.29% | 13.22% | +0.07 pts | See points |
| Construction and land loans to total capital | 71.07% | 80.48% | -9.41 pts | See points |
| Commercial real estate to total capital | 165.91% | 174.07% | -8.16 pts | See points |
| Dividend payout, year to date | 0.00% | 0.00% | 0.00 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -0.75% | -0.81% | +0.07 pts | See points |
| Liquidity | ||||
| Core deposits | $297.9M | $273.3M | +$24.6M | +9.0% |
| Non-core funding | $89.5M | $94.7M | -$5.2M | -5.5% |
| Loans to core deposits | 127.90% | 131.12% | -3.22 pts | See points |
| Loans to deposits | 98.35% | 97.37% | +0.97 pts | See points |
| Brokered deposits share of deposits | 14.49% | 16.29% | -1.81 pts | See points |
| Pledged securities share of securities | 0.00% | 0.00% | 0.00 pts | See points |
| Loans pledged, share of loans | 31.72% | 30.84% | +0.88 pts | See points |
| Volatile liabilities | $106.2M | $104.1M | +$2.2M | +2.1% |
| Earnings | ||||
| Earnings before provision, year to date | $4.1M | $1.8M | +$2.4M | +134.3% |
| Earnings before provision, single quarter | $2.4M | $1.8M | +$606K | +34.3% |
| Provision for credit losses, year to date | $350K | $100K | +$250K | +250.0% |
| Yield and cost | ||||
| Yield on loans and leases | 6.99% | 6.88% | +0.11 pts | See points |
| Yield on interest-bearing balances due from banks | 3.95% | 3.84% | +0.11 pts | See points |
| Total interest income to average assets | 6.45% | 6.22% | +0.22 pts | See points |
| Cost of interest-bearing transaction accounts | 2.18% | 2.14% | +0.04 pts | See points |
| Cost of savings and money market deposits | 3.02% | 2.98% | +0.04 pts | See points |
| Cost of time deposits | 3.90% | 3.88% | +0.01 pts | See points |
| Total interest expense to average assets | 2.16% | 2.18% | -0.02 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $504M | $439M | $407M | 1.31% | 10.46% | 4.29% |
| 2026-06-30 | $451M | $387M | $376M | 1.34% | 10.36% | 4.26% |
| 2026-03-31 | $430M | $368M | $354M | 1.21% | 9.25% | 4.18% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| OK | $298.6M | 0.21% | 79 | Continuing · -0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.