Side-by-side · Q2 2026 data
Waterman Bank vs Servbank, National Association
Metric by metric
| Measure | Waterman Bank | Servbank, National Association |
|---|---|---|
| TellerScore | 60 | 76 (stronger) |
| Capital cushion | 82 (stronger) | 68 |
| Loan quality | 41 | 80 (stronger) |
| Earnings | 39 | 100 (stronger) |
| Funding & liquidity | 60 (stronger) | 39 |
| Problem-loan coverage | 83 | 94 (stronger) |
| Peer percentile | 19th | 80th |
| Total assets | $173.6M | $1.7B |
| Deposits / shares | $144.3M | $1.2B |
| Capital ratio | 13.20% (stronger) | 11.81% |
| Problem loans | 1.78% | 0.59% (stronger) |
| Net charge-offs | 0.10% | -0.04% (stronger) |
| Return on assets | 0.47% | 2.21% (stronger) |
| Loans ÷ deposits | 86.5% (stronger) | 86.8% |
| Uninsured deposits | 27.1% (stronger) | 46.2% |
| Offices | 3 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 90.1% |
Servbank, National Association has the higher TellerScore (76 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Waterman Bank leads on 3 and Servbank, National Association on 4. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.