Side-by-side · Q2 2026 data
Welch State Bank of Welch, Okla. vs Watermark Bank
Metric by metric
| Measure | Welch State Bank of Welch, Okla. | Watermark Bank |
|---|---|---|
| TellerScore | 76 | 81 (stronger) |
| Capital cushion | 52 | 83 (stronger) |
| Loan quality | 88 | 100 (stronger) |
| Earnings | 87 (stronger) | 73 |
| Funding & liquidity | 75 (stronger) | 44 |
| Problem-loan coverage | 95 | 100 (stronger) |
| Peer percentile | 64th | 80th |
| Total assets | $449.8M | $450.5M |
| Deposits / shares | $394.6M | $387.4M |
| Capital ratio | 10.20% | 13.29% (stronger) |
| Problem loans | 0.36% | 0.00% (stronger) |
| Net charge-offs | 0.13% | -0.02% (stronger) |
| Return on assets | 1.67% (stronger) | 1.34% |
| Loans ÷ deposits | 78.4% (stronger) | 97.1% |
| Uninsured deposits | 21.3% (stronger) | 32.6% |
| Offices | 6 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Watermark Bank has the higher TellerScore (81 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Welch State Bank of Welch, Okla. leads on 3 and Watermark Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.