Side-by-side · Q2 2026 data
First National Bank of Scotia vs Watertown Savings Bank
Metric by metric
| Measure | First National Bank of Scotia | Watertown Savings Bank |
|---|---|---|
| TellerScore | 55 | 79 (stronger) |
| Capital cushion | 42 | 100 (stronger) |
| Loan quality | 50 (stronger) | 35 |
| Earnings | 49 | 96 (stronger) |
| Funding & liquidity | 78 | 85 (stronger) |
| Problem-loan coverage | 79 | 87 (stronger) |
| Peer percentile | 11th | 75th |
| Total assets | $719.0M | $971.0M |
| Deposits / shares | $632.0M | $784.3M |
| Capital ratio | 9.22% | 17.60% (stronger) |
| Problem loans | 1.50% (stronger) | 1.95% |
| Net charge-offs | 0.14% | 0.13% (stronger) |
| Return on assets | 0.74% | 1.90% (stronger) |
| Loans ÷ deposits | 80.9% | 74.8% (stronger) |
| Uninsured deposits | 16.4% | 12.6% (stronger) |
| Offices | 10 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.8% | — |
Watertown Savings Bank has the higher TellerScore (79 vs 55). On the 7 directional measures above (where higher or lower is clearly better), First National Bank of Scotia leads on 1 and Watertown Savings Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.