Side-by-side · Q2 2026 data
The Watkins Savings Bank vs Community Bank of Oelwein
Metric by metric
| Measure | The Watkins Savings Bank | Community Bank of Oelwein |
|---|---|---|
| TellerScore | 87 (stronger) | 86 |
| Capital cushion | 98 (stronger) | 91 |
| Loan quality | 100 | 100 |
| Earnings | 40 | 64 (stronger) |
| Funding & liquidity | 100 (stronger) | 78 |
| Problem-loan coverage | 100 (stronger) | 93 |
| Peer percentile | 84th | 81st |
| Total assets | $86.7M | $95.0M |
| Deposits / shares | $75.0M | $75.0M |
| Capital ratio | 14.80% (stronger) | 14.11% |
| Problem loans | 0.00% (stronger) | 0.00% |
| Net charge-offs | 0.00% (stronger) | 0.08% |
| Return on assets | 0.51% | 1.09% (stronger) |
| Loans ÷ deposits | 43.1% (stronger) | 80.7% |
| Uninsured deposits | 8.7% (stronger) | 16.5% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Watkins Savings Bank has the higher TellerScore (87 vs 86). On the 7 directional measures above (where higher or lower is clearly better), The Watkins Savings Bank leads on 6 and Community Bank of Oelwein on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.