Side-by-side · Q2 2026 data
Waterman Bank vs United Trust Bank
Metric by metric
| Measure | Waterman Bank | United Trust Bank |
|---|---|---|
| TellerScore | 60 | 65 (stronger) |
| Capital cushion | 82 (stronger) | 50 |
| Loan quality | 41 | 86 (stronger) |
| Earnings | 39 | 66 (stronger) |
| Funding & liquidity | 60 (stronger) | 42 |
| Problem-loan coverage | 83 | 93 (stronger) |
| Peer percentile | 19th | 29th |
| Total assets | $173.6M | $178.2M |
| Deposits / shares | $144.3M | $126.1M |
| Capital ratio | 13.20% (stronger) | 10.03% |
| Problem loans | 1.78% | 0.43% (stronger) |
| Net charge-offs | 0.10% | 0.01% (stronger) |
| Return on assets | 0.47% | 1.15% (stronger) |
| Loans ÷ deposits | 86.5% (stronger) | 115.7% |
| Uninsured deposits | 27.1% | 22.0% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
United Trust Bank has the higher TellerScore (65 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Waterman Bank leads on 2 and United Trust Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.