Side-by-side · Q2 2026 data
Watertown Savings Bank vs Carthage Savings and Loan, National Association
Bank
Carthage Savings and Loan, National Association
Carthage, New York · $100 million – $1 billion
Metric by metric
| Measure | Watertown Savings Bank | Carthage Savings and Loan, National Association |
|---|---|---|
| TellerScore | 79 (stronger) | 77 |
| Capital cushion | 100 (stronger) | 79 |
| Loan quality | 35 | 89 (stronger) |
| Earnings | 96 (stronger) | 58 |
| Funding & liquidity | 85 (stronger) | 66 |
| Problem-loan coverage | 87 | 97 (stronger) |
| Peer percentile | 75th | 68th |
| Total assets | $971.0M | $312.1M |
| Deposits / shares | $784.3M | $257.4M |
| Capital ratio | 17.60% (stronger) | 12.86% |
| Problem loans | 1.95% | 0.32% (stronger) |
| Net charge-offs | 0.13% | 0.01% (stronger) |
| Return on assets | 1.90% (stronger) | 0.96% |
| Loans ÷ deposits | 74.8% (stronger) | 91.6% |
| Uninsured deposits | 12.6% (stronger) | 17.4% |
| Offices | 8 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 11.6% |
Watertown Savings Bank has the higher TellerScore (79 vs 77). On the 7 directional measures above (where higher or lower is clearly better), Watertown Savings Bank leads on 5 and Carthage Savings and Loan, National Association on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.