Side-by-side · Q2 2026 data
WSB Municipal Bank vs Bank of Richmondville
Metric by metric
| Measure | WSB Municipal Bank | Bank of Richmondville |
|---|---|---|
| TellerScore | 93 (stronger) | 77 |
| Capital cushion | 100 (stronger) | 65 |
| Loan quality | 100 (stronger) | 94 |
| Earnings | 100 (stronger) | 48 |
| Funding & liquidity | 50 | 99 (stronger) |
| Problem-loan coverage | 100 (stronger) | 99 |
| Peer percentile | 98th | 68th |
| Total assets | $152.3M | $185.9M |
| Deposits / shares | $98.5M | $166.4M |
| Capital ratio | 15.23% (stronger) | 11.54% |
| Problem loans | 0.00% (stronger) | 0.18% |
| Net charge-offs | 0.00% (stronger) | 0.04% |
| Return on assets | 2.37% (stronger) | 0.70% |
| Loans ÷ deposits | 0.0% (stronger) | 50.1% |
| Uninsured deposits | 71.6% | 16.3% (stronger) |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 4.0% |
WSB Municipal Bank has the higher TellerScore (93 vs 77). On the 7 directional measures above (where higher or lower is clearly better), WSB Municipal Bank leads on 6 and Bank of Richmondville on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.