Side-by-side · Q2 2026 data
Waukon State Bank vs Kerndt Brothers Savings Bank
Metric by metric
| Measure | Waukon State Bank | Kerndt Brothers Savings Bank |
|---|---|---|
| TellerScore | 78 | 79 (stronger) |
| Capital cushion | 54 | 59 (stronger) |
| Loan quality | 100 (stronger) | 78 |
| Earnings | 97 | 100 (stronger) |
| Funding & liquidity | 52 | 86 (stronger) |
| Problem-loan coverage | 100 (stronger) | 93 |
| Peer percentile | 72nd | 75th |
| Total assets | $426.9M | $347.2M |
| Deposits / shares | $366.5M | $282.8M |
| Capital ratio | 10.44% | 10.88% (stronger) |
| Problem loans | 0.00% (stronger) | 0.65% |
| Net charge-offs | 0.00% (stronger) | 0.00% |
| Return on assets | 1.93% | 2.48% (stronger) |
| Loans ÷ deposits | 95.1% | 71.5% (stronger) |
| Uninsured deposits | 26.6% | 17.3% (stronger) |
| Offices | 4 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 22.4% |
Kerndt Brothers Savings Bank has the higher TellerScore (79 vs 78). On the 7 directional measures above (where higher or lower is clearly better), Waukon State Bank leads on 2 and Kerndt Brothers Savings Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Decorah, IA
- Waukon, IA