Side-by-side · Q2 2026 data
Benton County State Bank vs The Watkins Savings Bank
Metric by metric
| Measure | Benton County State Bank | The Watkins Savings Bank |
|---|---|---|
| TellerScore | 87 | 87 |
| Capital cushion | 100 (stronger) | 98 |
| Loan quality | 100 | 100 |
| Earnings | 59 (stronger) | 40 |
| Funding & liquidity | 71 | 100 (stronger) |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 84th | 84th |
| Total assets | $50.8M | $86.7M |
| Deposits / shares | $38.4M | $75.0M |
| Capital ratio | 15.22% (stronger) | 14.80% |
| Problem loans | 0.00% | 0.00% |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | 0.99% (stronger) | 0.51% |
| Loans ÷ deposits | 82.1% | 43.1% (stronger) |
| Uninsured deposits | 21.9% | 8.7% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Both have the same TellerScore. On the 4 directional measures above (where higher or lower is clearly better), Benton County State Bank leads on 2 and The Watkins Savings Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.