Side-by-side · Q2 2026 data
National Bank of Commerce vs WaterStone Bank, SSB
Metric by metric
| Measure | National Bank of Commerce | WaterStone Bank, SSB |
|---|---|---|
| TellerScore | 70 | 81 (stronger) |
| Capital cushion | 43 | 100 (stronger) |
| Loan quality | 79 | 88 (stronger) |
| Earnings | 100 (stronger) | 71 |
| Funding & liquidity | 53 (stronger) | 37 |
| Problem-loan coverage | 91 | 96 (stronger) |
| Peer percentile | 58th | 91st |
| Total assets | $2.2B | $2.3B |
| Deposits / shares | $1.9B | $1.5B |
| Capital ratio | 9.33% | 15.43% (stronger) |
| Problem loans | 0.64% | 0.36% (stronger) |
| Net charge-offs | 0.05% | -0.00% (stronger) |
| Return on assets | 2.00% (stronger) | 1.28% |
| Loans ÷ deposits | 92.0% (stronger) | 123.7% |
| Uninsured deposits | 29.1% | 26.8% (stronger) |
| Offices | 20 | 14 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.8% | 19.2% |
WaterStone Bank, SSB has the higher TellerScore (81 vs 70). On the 7 directional measures above (where higher or lower is clearly better), National Bank of Commerce leads on 2 and WaterStone Bank, SSB on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.