Side-by-side · Q2 2026 data
Sterling Bank vs Waumandee State Bank
Metric by metric
| Measure | Sterling Bank | Waumandee State Bank |
|---|---|---|
| TellerScore | 77 (stronger) | 67 |
| Capital cushion | 44 | 44 |
| Loan quality | 99 (stronger) | 80 |
| Earnings | 86 (stronger) | 66 |
| Funding & liquidity | 77 | 77 |
| Problem-loan coverage | 100 (stronger) | 89 |
| Peer percentile | 68th | 34th |
| Total assets | $352.4M | $345.5M |
| Deposits / shares | $314.5M | $301.2M |
| Capital ratio | 9.37% | 9.39% (stronger) |
| Problem loans | 0.02% (stronger) | 0.60% |
| Net charge-offs | 0.03% | 0.00% (stronger) |
| Return on assets | 1.64% (stronger) | 1.16% |
| Loans ÷ deposits | 81.2% (stronger) | 83.2% |
| Uninsured deposits | 17.5% | 9.4% (stronger) |
| Offices | 4 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Sterling Bank has the higher TellerScore (77 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Sterling Bank leads on 4 and Waumandee State Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.