Lender record
Waterfall Bank
The real lending record — every figure from funded deals. HQ: 500 Mclennan St, Clearwater, FL. 2 branches.
0
Recent deals (FY20+)
$0K
Typical deal
—
Approval → funding
Where Waterfall Bank lends
Deal profile
Most Waterfall Bank deals land between $0K and $0K — that range covers half of everything they fund. Top industries and states:
Industries they fund most
Most active states
Can Waterfall Bank fund you? The bank behind the loans
Total assets
$421.9M
▲ 3.2% vs prior quarter
Deposits on hand
$343.1M
▲ 13.2% vs prior quarter
Loans outstanding
$378.0M
▲ 7.6% vs prior quarter
Net income (latest qtr)
$-110K
- •SBA is a sideline here — this year's production is a rounding error against the loan book. Your deal competes with everything else they'd rather fund; a specialist bank will usually move faster. That makes Waterfall Bank more SBA-focused than 64% of the banks on our record.
- •Deposits grew last quarter — more raw lending capacity than the quarter before.
- •Return on assets of -0.11% — well under the ~1% mark generally considered strong for a bank. How any of this translates to your rate is a question for the loan officer — pricing is set deal by deal.
FDIC call-report data, quarter ending 03/2026.
Walk into a Waterfall Bank branch (2)
Waterfall BankMain office500 Mclennan StClearwater, FL 33756 · since 2021
Waterfall Messenger Service Branch500 Mclennan StClearwater, FL 33756 · since 2021 · limited service
Branch data: FDIC BankFind.
Recent deals
Hover or tap a deal for terms: program, rate, SBA guarantee, days to fund.
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CapBench analysis of public lending records, FY2020–present. Not affiliated with Waterfall Bank.
Agent summary
This page summarizes Waterfall Bank's public SBA 7(a) lending record — deal sizes, industries, geography, and FDIC profile — from CapBench SBA Intelligence. CapBench is not a lender and does not originate or approve loans.
- 0 SBA 7(a) loans on record
- HQ: 500 Mclennan St, Clearwater, FL
- 2 FDIC branch locations
- FDIC total assets $421.9M
- Data freshness:
- SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-17.
- Sources:
- Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
- Methodology:
- Sources & methodology
- Informational only — CapBench does not confirm this entity is for sale, eligible for SBA financing, or approved by any lender.
- Figures come from public records and CapBench methodology; verify before relying on them.
- Lender matches are informational and based on public lending activity — they do not guarantee lender interest or approval.
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