Side-by-side · Q2 2026 data
The State Bank vs The Watkins Savings Bank
Metric by metric
| Measure | The State Bank | The Watkins Savings Bank |
|---|---|---|
| TellerScore | 83 | 87 (stronger) |
| Capital cushion | 67 | 98 (stronger) |
| Loan quality | 100 | 100 |
| Earnings | 67 (stronger) | 40 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 90 | 100 (stronger) |
| Peer percentile | 73rd | 84th |
| Total assets | $88.4M | $86.7M |
| Deposits / shares | $80.3M | $75.0M |
| Capital ratio | 11.73% | 14.80% (stronger) |
| Problem loans | 0.00% | 0.00% |
| Net charge-offs | 0.06% | 0.00% (stronger) |
| Return on assets | 1.18% (stronger) | 0.51% |
| Loans ÷ deposits | 52.1% | 43.1% (stronger) |
| Uninsured deposits | 15.4% | 8.7% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Watkins Savings Bank has the higher TellerScore (87 vs 83). On the 6 directional measures above (where higher or lower is clearly better), The State Bank leads on 1 and The Watkins Savings Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.