Side-by-side · Q2 2026 data
Tri-Valley Bank vs The Watkins Savings Bank
Metric by metric
| Measure | Tri-Valley Bank | The Watkins Savings Bank |
|---|---|---|
| TellerScore | 36 | 87 (stronger) |
| Capital cushion | 43 | 98 (stronger) |
| Loan quality | 0 | 100 (stronger) |
| Earnings | 27 | 40 (stronger) |
| Funding & liquidity | 95 | 100 (stronger) |
| Problem-loan coverage | 35 | 100 (stronger) |
| Peer percentile | 2nd | 84th |
| Total assets | $82.8M | $86.7M |
| Deposits / shares | $77.4M | $75.0M |
| Capital ratio | 9.25% | 14.80% (stronger) |
| Problem loans | 4.09% | 0.00% (stronger) |
| Net charge-offs | 0.81% | 0.00% (stronger) |
| Return on assets | 0.18% | 0.51% (stronger) |
| Loans ÷ deposits | 62.6% | 43.1% (stronger) |
| Uninsured deposits | 17.8% | 8.7% (stronger) |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Watkins Savings Bank has the higher TellerScore (87 vs 36). On the 7 directional measures above (where higher or lower is clearly better), Tri-Valley Bank leads on 0 and The Watkins Savings Bank on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.