Side-by-side · Q2 2026 data
State Bank of Reeseville vs WaterStone Bank, SSB
Metric by metric
| Measure | State Bank of Reeseville | WaterStone Bank, SSB |
|---|---|---|
| TellerScore | 68 | 81 (stronger) |
| Capital cushion | 46 | 100 (stronger) |
| Loan quality | 100 (stronger) | 88 |
| Earnings | 52 | 71 (stronger) |
| Funding & liquidity | 59 (stronger) | 37 |
| Problem-loan coverage | 100 (stronger) | 96 |
| Peer percentile | 37th | 91st |
| Total assets | $169.5M | $2.3B |
| Deposits / shares | $139.6M | $1.5B |
| Capital ratio | 9.58% | 15.43% (stronger) |
| Problem loans | 0.01% (stronger) | 0.36% |
| Net charge-offs | 0.03% | -0.00% (stronger) |
| Return on assets | 0.79% | 1.28% (stronger) |
| Loans ÷ deposits | 66.1% (stronger) | 123.7% |
| Uninsured deposits | 47.2% | 26.8% (stronger) |
| Offices | 3 | 14 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 19.2% |
WaterStone Bank, SSB has the higher TellerScore (81 vs 68). On the 7 directional measures above (where higher or lower is clearly better), State Bank of Reeseville leads on 2 and WaterStone Bank, SSB on 5. 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.