Side-by-side · Q2 2026 data
The Watkins Savings Bank vs First Security State Bank
Metric by metric
| Measure | The Watkins Savings Bank | First Security State Bank |
|---|---|---|
| TellerScore | 87 (stronger) | 58 |
| Capital cushion | 98 | 99 (stronger) |
| Loan quality | 100 (stronger) | 0 |
| Earnings | 40 | 61 (stronger) |
| Funding & liquidity | 100 (stronger) | 60 |
| Problem-loan coverage | 100 (stronger) | 70 |
| Peer percentile | 84th | 17th |
| Total assets | $86.7M | $87.3M |
| Deposits / shares | $75.0M | $74.1M |
| Capital ratio | 14.80% | 14.90% (stronger) |
| Problem loans | 0.00% (stronger) | 3.11% |
| Net charge-offs | 0.00% (stronger) | 0.03% |
| Return on assets | 0.51% | 1.03% (stronger) |
| Loans ÷ deposits | 43.1% (stronger) | 83.1% |
| Uninsured deposits | 8.7% (stronger) | 30.7% |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Watkins Savings Bank has the higher TellerScore (87 vs 58). On the 7 directional measures above (where higher or lower is clearly better), The Watkins Savings Bank leads on 5 and First Security State Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.