Side-by-side · Q2 2026 data
WaterStone Bank, SSB vs North Shore Bank
Metric by metric
| Measure | WaterStone Bank, SSB | North Shore Bank |
|---|---|---|
| TellerScore | 81 | 84 (stronger) |
| Capital cushion | 100 (stronger) | 94 |
| Loan quality | 88 | 97 (stronger) |
| Earnings | 71 (stronger) | 61 |
| Funding & liquidity | 37 | 66 (stronger) |
| Problem-loan coverage | 96 | 99 (stronger) |
| Peer percentile | 91st | 95th |
| Total assets | $2.3B | $2.6B |
| Deposits / shares | $1.5B | $2.2B |
| Capital ratio | 15.43% (stronger) | 14.45% |
| Problem loans | 0.36% | 0.10% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.02% |
| Return on assets | 1.28% (stronger) | 1.02% |
| Loans ÷ deposits | 123.7% | 94.5% (stronger) |
| Uninsured deposits | 26.8% | 11.8% (stronger) |
| Offices | 14 | 42 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 19.2% | 32.8% |
North Shore Bank has the higher TellerScore (84 vs 81). On the 7 directional measures above (where higher or lower is clearly better), WaterStone Bank, SSB leads on 3 and North Shore Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.