Side-by-side · Q2 2026 data
State Bank of Newburg vs WaterStone Bank, SSB
Metric by metric
| Measure | State Bank of Newburg | WaterStone Bank, SSB |
|---|---|---|
| TellerScore | 93 (stronger) | 81 |
| Capital cushion | 100 | 100 |
| Loan quality | 100 (stronger) | 88 |
| Earnings | 100 (stronger) | 71 |
| Funding & liquidity | 50 (stronger) | 37 |
| Problem-loan coverage | 100 (stronger) | 96 |
| Peer percentile | 98th | 91st |
| Total assets | $328.1M | $2.3B |
| Deposits / shares | $260.1M | $1.5B |
| Capital ratio | 17.27% (stronger) | 15.43% |
| Problem loans | 0.00% (stronger) | 0.36% |
| Net charge-offs | 0.00% | -0.00% (stronger) |
| Return on assets | 2.14% (stronger) | 1.28% |
| Loans ÷ deposits | 108.2% (stronger) | 123.7% |
| Uninsured deposits | 17.0% (stronger) | 26.8% |
| Offices | 2 | 14 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.2% | 19.2% |
State Bank of Newburg has the higher TellerScore (93 vs 81). On the 7 directional measures above (where higher or lower is clearly better), State Bank of Newburg leads on 6 and WaterStone Bank, SSB on 1. 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.