Side-by-side · Q2 2026 data
Bank Five Nine vs WaterStone Bank, SSB
Metric by metric
| Measure | Bank Five Nine | WaterStone Bank, SSB |
|---|---|---|
| TellerScore | 54 | 81 (stronger) |
| Capital cushion | 48 | 100 (stronger) |
| Loan quality | 36 | 88 (stronger) |
| Earnings | 73 (stronger) | 71 |
| Funding & liquidity | 63 (stronger) | 37 |
| Problem-loan coverage | 68 | 96 (stronger) |
| Peer percentile | 12th | 91st |
| Total assets | $2.5B | $2.3B |
| Deposits / shares | $2.1B | $1.5B |
| Capital ratio | 9.77% | 15.43% (stronger) |
| Problem loans | 1.91% | 0.36% (stronger) |
| Net charge-offs | 0.03% | -0.00% (stronger) |
| Return on assets | 1.32% (stronger) | 1.28% |
| Loans ÷ deposits | 97.3% (stronger) | 123.7% |
| Uninsured deposits | 14.8% (stronger) | 26.8% |
| Offices | 13 | 14 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.8% | 19.2% |
WaterStone Bank, SSB has the higher TellerScore (81 vs 54). On the 7 directional measures above (where higher or lower is clearly better), Bank Five Nine leads on 3 and WaterStone Bank, SSB on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.