Side-by-side · Q2 2026 data
Watertown Savings Bank vs GS&L Municipal Bank
Metric by metric
| Measure | Watertown Savings Bank | GS&L Municipal Bank |
|---|---|---|
| TellerScore | 79 | 92 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 35 | 100 (stronger) |
| Earnings | 96 (stronger) | 94 |
| Funding & liquidity | 85 (stronger) | 53 |
| Problem-loan coverage | 87 | 100 (stronger) |
| Peer percentile | 75th | 92nd |
| Total assets | $971.0M | $31.6M |
| Deposits / shares | $784.3M | $16.0M |
| Capital ratio | 17.60% | 44.48% (stronger) |
| Problem loans | 1.95% | 0.00% (stronger) |
| Net charge-offs | 0.13% | 0.00% (stronger) |
| Return on assets | 1.90% (stronger) | 1.85% |
| Loans ÷ deposits | 74.8% | 0.0% (stronger) |
| Uninsured deposits | 12.6% (stronger) | 57.2% |
| Offices | 8 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
GS&L Municipal Bank has the higher TellerScore (92 vs 79). On the 7 directional measures above (where higher or lower is clearly better), Watertown Savings Bank leads on 2 and GS&L Municipal Bank on 5. 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.
Where both have branches
- Alexandria Bay, NY
- Chaumont, NY