Side-by-side · Q2 2026 data
The Citizens Bank of Edmond vs Watermark Bank
Metric by metric
| Measure | The Citizens Bank of Edmond | Watermark Bank |
|---|---|---|
| TellerScore | 57 | 81 (stronger) |
| Capital cushion | 35 | 83 (stronger) |
| Loan quality | 79 | 100 (stronger) |
| Earnings | 42 | 73 (stronger) |
| Funding & liquidity | 64 (stronger) | 44 |
| Problem-loan coverage | 87 | 100 (stronger) |
| Peer percentile | 14th | 80th |
| Total assets | $432.4M | $450.5M |
| Deposits / shares | $387.8M | $387.4M |
| Capital ratio | 8.50% | 13.29% (stronger) |
| Problem loans | 0.63% | 0.00% (stronger) |
| Net charge-offs | 0.00% | -0.02% (stronger) |
| Return on assets | 0.54% | 1.34% (stronger) |
| Loans ÷ deposits | 96.2% (stronger) | 97.1% |
| Uninsured deposits | 14.2% (stronger) | 32.6% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.7% | — |
Watermark Bank has the higher TellerScore (81 vs 57). On the 7 directional measures above (where higher or lower is clearly better), The Citizens Bank of Edmond leads on 2 and Watermark Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.