Watermark Bank: how it compares with its peers
Against 64 OK banks with half to twice its assets, Watermark Bank's strongest measure in Q2 2026 is assets per employee ($13.3M vs. a $6.4M peer median). Its weakest relative measure is return on assets (1.34% vs. 1.39%).
| Measure | Watermark Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.34% | 1.39% | Middle third Ahead of 48% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.26% | 4.16% | Middle third Ahead of 63% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 55.33% | 61.45% | Top third Ahead of 70% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $13.3M | $6.4M | Top third Ahead of 98% of peers |
| Loans to deposits Net loans and leases over total deposits. | 97.12% | 75.67% | Context |
What it means for lending operations
Its efficiency ratio of 55.33% is better than the 61.45% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Welch State Bank of Welch, Okla. Welch, OK · $450M
- The City National Bank and Trust Company of Lawton, Oklahoma Lawton, OK · $446M
- Local Bank Hulbert, OK · $463M
- The Citizens Bank of Edmond Edmond, OK · $432M
- Bank of Western Oklahoma Elk City, OK · $470M
- Exchange Bank and Trust Company Perry, OK · $429M
Questions about Watermark Bank
How big is Watermark Bank?
Watermark Bank, established in 2019, is headquartered in Oklahoma City, OK. It reported $451M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Watermark Bank's return on assets?
1.34% annualized in Q2 2026, against a 1.39% median for 64 OK banks with half to twice its assets, ahead of 48% of them.
What is Watermark Bank's efficiency ratio?
55.33% in Q2 2026: it spent about 55 cents in noninterest expense for each dollar of revenue. The peer median is 61.45%, and lower is better.
Is Watermark Bank growing its loans?
Net loans grew 26.0% over the year to Q2 2026, while deposits grew 29.7%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are OK banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Oklahoma bank ranked.