Side-by-side · Q2 2026 data
Peoples State Bank vs The Waterford Commercial and Savings Bank
Metric by metric
| Measure | Peoples State Bank | The Waterford Commercial and Savings Bank |
|---|---|---|
| TellerScore | 61 | 83 (stronger) |
| Capital cushion | 33 | 86 (stronger) |
| Loan quality | 80 | 97 (stronger) |
| Earnings | 60 (stronger) | 52 |
| Funding & liquidity | 65 | 82 (stronger) |
| Problem-loan coverage | 89 | 99 (stronger) |
| Peer percentile | 20th | 73rd |
| Total assets | $286.5M | $60.0M |
| Deposits / shares | $256.8M | $52.1M |
| Capital ratio | 8.32% | 13.60% (stronger) |
| Problem loans | 0.60% | 0.09% (stronger) |
| Net charge-offs | 0.01% | -0.13% (stronger) |
| Return on assets | 0.99% (stronger) | 0.80% |
| Loans ÷ deposits | 87.8% | 78.2% (stronger) |
| Uninsured deposits | 21.4% | 9.9% (stronger) |
| Offices | 6 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.9% | 5.8% |
The Waterford Commercial and Savings Bank has the higher TellerScore (83 vs 61). On the 7 directional measures above (where higher or lower is clearly better), Peoples State Bank leads on 1 and The Waterford Commercial and Savings Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.