Side-by-side · Q2 2026 data
First Citizens State Bank vs WaterStone Bank, SSB
Metric by metric
| Measure | First Citizens State Bank | WaterStone Bank, SSB |
|---|---|---|
| TellerScore | 90 (stronger) | 81 |
| Capital cushion | 100 | 100 |
| Loan quality | 100 (stronger) | 88 |
| Earnings | 94 (stronger) | 71 |
| Funding & liquidity | 40 (stronger) | 37 |
| Problem-loan coverage | 100 (stronger) | 96 |
| Peer percentile | 95th | 91st |
| Total assets | $525.2M | $2.3B |
| Deposits / shares | $355.3M | $1.5B |
| Capital ratio | 18.00% (stronger) | 15.43% |
| Problem loans | 0.00% (stronger) | 0.36% |
| Net charge-offs | -0.00% | -0.00% (stronger) |
| Return on assets | 1.85% (stronger) | 1.28% |
| Loans ÷ deposits | 109.2% (stronger) | 123.7% |
| Uninsured deposits | 25.1% (stronger) | 26.8% |
| Offices | 4 | 14 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 19.2% |
First Citizens State Bank has the higher TellerScore (90 vs 81). On the 7 directional measures above (where higher or lower is clearly better), First Citizens State Bank leads on 6 and WaterStone Bank, SSB on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.