Side-by-side · Q2 2026 data
Waterman Bank vs Iroquois Farmers State Bank
Metric by metric
| Measure | Waterman Bank | Iroquois Farmers State Bank |
|---|---|---|
| TellerScore | 60 (stronger) | 57 |
| Capital cushion | 82 (stronger) | 41 |
| Loan quality | 41 (stronger) | 35 |
| Earnings | 39 | 84 (stronger) |
| Funding & liquidity | 60 | 77 (stronger) |
| Problem-loan coverage | 83 (stronger) | 71 |
| Peer percentile | 19th | 14th |
| Total assets | $173.6M | $174.5M |
| Deposits / shares | $144.3M | $158.7M |
| Capital ratio | 13.20% (stronger) | 9.10% |
| Problem loans | 1.78% (stronger) | 1.96% |
| Net charge-offs | 0.10% | -0.01% (stronger) |
| Return on assets | 0.47% | 1.61% (stronger) |
| Loans ÷ deposits | 86.5% | 71.8% (stronger) |
| Uninsured deposits | 27.1% | 24.9% (stronger) |
| Offices | 3 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Waterman Bank has the higher TellerScore (60 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Waterman Bank leads on 3 and Iroquois Farmers State Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.