Side-by-side · Q2 2026 data
Fairfax State Savings Bank vs The Watkins Savings Bank
Metric by metric
| Measure | Fairfax State Savings Bank | The Watkins Savings Bank |
|---|---|---|
| TellerScore | 67 | 87 (stronger) |
| Capital cushion | 45 | 98 (stronger) |
| Loan quality | 92 | 100 (stronger) |
| Earnings | 49 (stronger) | 40 |
| Funding & liquidity | 87 | 100 (stronger) |
| Problem-loan coverage | 77 | 100 (stronger) |
| Peer percentile | 34th | 84th |
| Total assets | $287.0M | $86.7M |
| Deposits / shares | $229.5M | $75.0M |
| Capital ratio | 9.46% | 14.80% (stronger) |
| Problem loans | 0.25% | 0.00% (stronger) |
| Net charge-offs | -0.09% (stronger) | 0.00% |
| Return on assets | 0.73% (stronger) | 0.51% |
| Loans ÷ deposits | 68.0% | 43.1% (stronger) |
| Uninsured deposits | 19.9% | 8.7% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 16.9% | — |
The Watkins Savings Bank has the higher TellerScore (87 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Fairfax State Savings Bank leads on 2 and The Watkins Savings Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.