Side-by-side · Q2 2026 data
Waypoint Bank vs Flatwater Bank
Metric by metric
| Measure | Waypoint Bank | Flatwater Bank |
|---|---|---|
| TellerScore | 75 (stronger) | 56 |
| Capital cushion | 59 (stronger) | 44 |
| Loan quality | 80 (stronger) | 41 |
| Earnings | 91 (stronger) | 71 |
| Funding & liquidity | 62 | 72 (stronger) |
| Problem-loan coverage | 94 (stronger) | 71 |
| Peer percentile | 61st | 13th |
| Total assets | $391.5M | $367.7M |
| Deposits / shares | $324.6M | $320.8M |
| Capital ratio | 10.87% (stronger) | 9.38% |
| Problem loans | 0.59% (stronger) | 1.76% |
| Net charge-offs | 0.00% (stronger) | 0.02% |
| Return on assets | 1.77% (stronger) | 1.27% |
| Loans ÷ deposits | 84.4% (stronger) | 84.7% |
| Uninsured deposits | 27.8% | 18.5% (stronger) |
| Offices | 8 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Waypoint Bank has the higher TellerScore (75 vs 56). On the 7 directional measures above (where higher or lower is clearly better), Waypoint Bank leads on 6 and Flatwater Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.