Side-by-side · Q2 2026 data
Tri City National Bank vs WaterStone Bank, SSB
Metric by metric
| Measure | Tri City National Bank | WaterStone Bank, SSB |
|---|---|---|
| TellerScore | 71 | 81 (stronger) |
| Capital cushion | 61 | 100 (stronger) |
| Loan quality | 83 | 88 (stronger) |
| Earnings | 53 | 71 (stronger) |
| Funding & liquidity | 81 (stronger) | 37 |
| Problem-loan coverage | 92 | 96 (stronger) |
| Peer percentile | 63rd | 91st |
| Total assets | $2.0B | $2.3B |
| Deposits / shares | $1.7B | $1.5B |
| Capital ratio | 11.10% | 15.43% (stronger) |
| Problem loans | 0.51% | 0.36% (stronger) |
| Net charge-offs | 0.04% | -0.00% (stronger) |
| Return on assets | 0.83% | 1.28% (stronger) |
| Loans ÷ deposits | 65.9% (stronger) | 123.7% |
| Uninsured deposits | 26.7% (stronger) | 26.8% |
| Offices | 24 | 14 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 18.2% | 19.2% |
WaterStone Bank, SSB has the higher TellerScore (81 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Tri City National Bank leads on 2 and WaterStone Bank, SSB on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.