Side-by-side · Q2 2026 data
Waterman Bank vs DeWitt Savings Bank
Metric by metric
| Measure | Waterman Bank | DeWitt Savings Bank |
|---|---|---|
| TellerScore | 60 | 64 (stronger) |
| Capital cushion | 82 (stronger) | 55 |
| Loan quality | 41 | 60 (stronger) |
| Earnings | 39 | 44 (stronger) |
| Funding & liquidity | 60 | 96 (stronger) |
| Problem-loan coverage | 83 | 88 (stronger) |
| Peer percentile | 19th | 26th |
| Total assets | $173.6M | $173.2M |
| Deposits / shares | $144.3M | $141.1M |
| Capital ratio | 13.20% (stronger) | 10.47% |
| Problem loans | 1.78% | 1.21% (stronger) |
| Net charge-offs | 0.10% (stronger) | 0.28% |
| Return on assets | 0.47% | 0.59% (stronger) |
| Loans ÷ deposits | 86.5% | 59.2% (stronger) |
| Uninsured deposits | 27.1% | 18.4% (stronger) |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
DeWitt Savings Bank has the higher TellerScore (64 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Waterman Bank leads on 2 and DeWitt Savings Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.