Side-by-side · Q2 2026 data
Local Bank vs Watermark Bank
Metric by metric
| Measure | Local Bank | Watermark Bank |
|---|---|---|
| TellerScore | 66 | 81 (stronger) |
| Capital cushion | 64 | 83 (stronger) |
| Loan quality | 83 | 100 (stronger) |
| Earnings | 34 | 73 (stronger) |
| Funding & liquidity | 69 (stronger) | 44 |
| Problem-loan coverage | 93 | 100 (stronger) |
| Peer percentile | 31st | 80th |
| Total assets | $463.1M | $450.5M |
| Deposits / shares | $382.6M | $387.4M |
| Capital ratio | 11.35% | 13.29% (stronger) |
| Problem loans | 0.52% | 0.00% (stronger) |
| Net charge-offs | 0.05% | -0.02% (stronger) |
| Return on assets | 0.34% | 1.34% (stronger) |
| Loans ÷ deposits | 91.0% (stronger) | 97.1% |
| Uninsured deposits | 14.4% (stronger) | 32.6% |
| Offices | 6 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Watermark Bank has the higher TellerScore (81 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Local Bank leads on 2 and Watermark Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.