Side-by-side · Q2 2026 data
Waterfall Bank vs Locality Bank
Metric by metric
| Measure | Waterfall Bank | Locality Bank |
|---|---|---|
| TellerScore | 61 (stronger) | 55 |
| Capital cushion | 76 | 79 (stronger) |
| Loan quality | 99 (stronger) | 48 |
| Earnings | 19 | 32 (stronger) |
| Funding & liquidity | 0 | 31 (stronger) |
| Problem-loan coverage | 100 (stronger) | 82 |
| Peer percentile | 20th | 11th |
| Total assets | $409.9M | $396.2M |
| Deposits / shares | $330.3M | $346.0M |
| Capital ratio | 12.64% | 12.91% (stronger) |
| Problem loans | 0.03% (stronger) | 1.55% |
| Net charge-offs | 0.15% | 0.13% (stronger) |
| Return on assets | -0.03% | 0.29% (stronger) |
| Loans ÷ deposits | 114.1% | 89.1% (stronger) |
| Uninsured deposits | 61.5% | 51.3% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Waterfall Bank has the higher TellerScore (61 vs 55). On the 7 directional measures above (where higher or lower is clearly better), Waterfall Bank leads on 2 and Locality Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.