Side-by-side · Q2 2026 data
Watertown Savings Bank vs Martha's Vineyard Bank
Metric by metric
| Measure | Watertown Savings Bank | Martha's Vineyard Bank |
|---|---|---|
| TellerScore | 78 (stronger) | 69 |
| Capital cushion | 70 (stronger) | 68 |
| Loan quality | 94 | 97 (stronger) |
| Earnings | 51 (stronger) | 46 |
| Funding & liquidity | 88 (stronger) | 37 |
| Problem-loan coverage | 98 | 99 (stronger) |
| Peer percentile | 86th | 53rd |
| Total assets | $1.4B | $1.3B |
| Deposits / shares | $1.3B | $1.1B |
| Capital ratio | 12.03% (stronger) | 11.75% |
| Problem loans | 0.17% | 0.09% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.00% |
| Return on assets | 0.78% (stronger) | 0.65% |
| Loans ÷ deposits | 52.5% (stronger) | 104.7% |
| Uninsured deposits | 26.4% (stronger) | 31.8% |
| Offices | 10 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 5.4% |
Watertown Savings Bank has the higher TellerScore (78 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Watertown Savings Bank leads on 6 and Martha's Vineyard Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.