Side-by-side · Q2 2026 data
Hustisford State Bank vs WaterStone Bank, SSB
Metric by metric
| Measure | Hustisford State Bank | WaterStone Bank, SSB |
|---|---|---|
| TellerScore | 84 (stronger) | 81 |
| Capital cushion | 100 | 100 |
| Loan quality | 93 (stronger) | 88 |
| Earnings | 54 | 71 (stronger) |
| Funding & liquidity | 68 (stronger) | 37 |
| Problem-loan coverage | 98 (stronger) | 96 |
| Peer percentile | 76th | 91st |
| Total assets | $80.3M | $2.3B |
| Deposits / shares | $58.3M | $1.5B |
| Capital ratio | 15.24% | 15.43% (stronger) |
| Problem loans | 0.22% (stronger) | 0.36% |
| Net charge-offs | 0.00% | -0.00% (stronger) |
| Return on assets | 0.84% | 1.28% (stronger) |
| Loans ÷ deposits | 92.5% (stronger) | 123.7% |
| Uninsured deposits | 12.8% (stronger) | 26.8% |
| Offices | 1 | 14 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 19.2% |
Hustisford State Bank has the higher TellerScore (84 vs 81). On the 7 directional measures above (where higher or lower is clearly better), Hustisford State Bank leads on 4 and WaterStone Bank, SSB on 3. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.