Side-by-side · Q2 2026 data
The Waterford Commercial and Savings Bank vs Versailles Savings and Loan Company
Metric by metric
| Measure | The Waterford Commercial and Savings Bank | Versailles Savings and Loan Company |
|---|---|---|
| TellerScore | 83 | 89 (stronger) |
| Capital cushion | 86 | 100 (stronger) |
| Loan quality | 97 | 100 (stronger) |
| Earnings | 52 | 69 (stronger) |
| Funding & liquidity | 82 (stronger) | 71 |
| Problem-loan coverage | 99 | 100 (stronger) |
| Peer percentile | 73rd | 87th |
| Total assets | $60.0M | $65.6M |
| Deposits / shares | $52.1M | $51.1M |
| Capital ratio | 13.60% | 19.25% (stronger) |
| Problem loans | 0.09% | 0.00% (stronger) |
| Net charge-offs | -0.13% (stronger) | 0.00% |
| Return on assets | 0.80% | 1.22% (stronger) |
| Loans ÷ deposits | 78.2% (stronger) | 89.5% |
| Uninsured deposits | 9.9% (stronger) | 10.2% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.8% | — |
Versailles Savings and Loan Company has the higher TellerScore (89 vs 83). On the 7 directional measures above (where higher or lower is clearly better), The Waterford Commercial and Savings Bank leads on 3 and Versailles Savings and Loan Company on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.