Side-by-side · Q2 2026 data
Main Street Bank Corp. vs Waterford Bank, N.A.
Metric by metric
| Measure | Main Street Bank Corp. | Waterford Bank, N.A. |
|---|---|---|
| TellerScore | 67 (stronger) | 66 |
| Capital cushion | 42 | 54 (stronger) |
| Loan quality | 78 (stronger) | 77 |
| Earnings | 80 (stronger) | 71 |
| Funding & liquidity | 68 (stronger) | 49 |
| Problem-loan coverage | 90 | 90 |
| Peer percentile | 44th | 40th |
| Total assets | $1.6B | $1.8B |
| Deposits / shares | $1.4B | $1.6B |
| Capital ratio | 9.25% | 10.45% (stronger) |
| Problem loans | 0.66% (stronger) | 0.68% |
| Net charge-offs | 0.00% | -0.08% (stronger) |
| Return on assets | 1.49% (stronger) | 1.29% |
| Loans ÷ deposits | 91.7% | 88.5% (stronger) |
| Uninsured deposits | 15.9% (stronger) | 35.2% |
| Offices | 21 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 1.7% |
Main Street Bank Corp. has the higher TellerScore (67 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Main Street Bank Corp. leads on 4 and Waterford Bank, N.A. on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.