Side-by-side · Q2 2026 data
Watertown Savings Bank vs Gouverneur Savings and Loan Association
Metric by metric
| Measure | Watertown Savings Bank | Gouverneur Savings and Loan Association |
|---|---|---|
| TellerScore | 79 (stronger) | 74 |
| Capital cushion | 100 (stronger) | 95 |
| Loan quality | 35 | 67 (stronger) |
| Earnings | 96 (stronger) | 45 |
| Funding & liquidity | 85 (stronger) | 74 |
| Problem-loan coverage | 87 | 91 (stronger) |
| Peer percentile | 75th | 57th |
| Total assets | $971.0M | $198.9M |
| Deposits / shares | $784.3M | $157.6M |
| Capital ratio | 17.60% (stronger) | 14.53% |
| Problem loans | 1.95% | 1.00% (stronger) |
| Net charge-offs | 0.13% | 0.00% (stronger) |
| Return on assets | 1.90% (stronger) | 0.62% |
| Loans ÷ deposits | 74.8% (stronger) | 85.8% |
| Uninsured deposits | 12.6% (stronger) | 13.9% |
| Offices | 8 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 19.9% |
Watertown Savings Bank has the higher TellerScore (79 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Watertown Savings Bank leads on 5 and Gouverneur Savings and Loan Association on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Alexandria Bay, NY
- Chaumont, NY