Side-by-side · Q2 2026 data
Watertown Savings Bank vs Lake Shore Bank
Metric by metric
| Measure | Watertown Savings Bank | Lake Shore Bank |
|---|---|---|
| TellerScore | 79 | 86 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 35 | 92 (stronger) |
| Earnings | 96 (stronger) | 65 |
| Funding & liquidity | 85 (stronger) | 67 |
| Problem-loan coverage | 87 | 98 (stronger) |
| Peer percentile | 75th | 90th |
| Total assets | $971.0M | $735.9M |
| Deposits / shares | $784.3M | $599.1M |
| Capital ratio | 17.60% (stronger) | 17.43% |
| Problem loans | 1.95% | 0.25% (stronger) |
| Net charge-offs | 0.13% | 0.00% (stronger) |
| Return on assets | 1.90% (stronger) | 1.13% |
| Loans ÷ deposits | 74.8% (stronger) | 93.2% |
| Uninsured deposits | 12.6% | 11.6% (stronger) |
| Offices | 8 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 23.9% |
Lake Shore Bank has the higher TellerScore (86 vs 79). On the 7 directional measures above (where higher or lower is clearly better), Watertown Savings Bank leads on 3 and Lake Shore Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.