Side-by-side · Q2 2026 data
Badger Bank vs WaterStone Bank, SSB
Metric by metric
| Measure | Badger Bank | WaterStone Bank, SSB |
|---|---|---|
| TellerScore | 82 (stronger) | 81 |
| Capital cushion | 74 | 100 (stronger) |
| Loan quality | 98 (stronger) | 88 |
| Earnings | 75 (stronger) | 71 |
| Funding & liquidity | 70 (stronger) | 37 |
| Problem-loan coverage | 99 (stronger) | 96 |
| Peer percentile | 82nd | 91st |
| Total assets | $206.0M | $2.3B |
| Deposits / shares | $164.6M | $1.5B |
| Capital ratio | 12.40% | 15.43% (stronger) |
| Problem loans | 0.07% (stronger) | 0.36% |
| Net charge-offs | 0.00% | -0.00% (stronger) |
| Return on assets | 1.37% (stronger) | 1.28% |
| Loans ÷ deposits | 84.4% (stronger) | 123.7% |
| Uninsured deposits | 20.1% (stronger) | 26.8% |
| Offices | 4 | 14 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.1% | 19.2% |
Badger Bank has the higher TellerScore (82 vs 81). On the 7 directional measures above (where higher or lower is clearly better), Badger Bank leads on 5 and WaterStone Bank, SSB on 2. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.