Side-by-side · Q2 2026 data
WSB Municipal Bank vs Watertown Savings Bank
Metric by metric
| Measure | WSB Municipal Bank | Watertown Savings Bank |
|---|---|---|
| TellerScore | 93 (stronger) | 79 |
| Capital cushion | 100 | 100 |
| Loan quality | 100 (stronger) | 35 |
| Earnings | 100 (stronger) | 96 |
| Funding & liquidity | 50 | 85 (stronger) |
| Problem-loan coverage | 100 (stronger) | 87 |
| Peer percentile | 98th | 75th |
| Total assets | $152.3M | $971.0M |
| Deposits / shares | $98.5M | $784.3M |
| Capital ratio | 15.23% | 17.60% (stronger) |
| Problem loans | 0.00% (stronger) | 1.95% |
| Net charge-offs | 0.00% (stronger) | 0.13% |
| Return on assets | 2.37% (stronger) | 1.90% |
| Loans ÷ deposits | 0.0% (stronger) | 74.8% |
| Uninsured deposits | 71.6% | 12.6% (stronger) |
| Offices | 1 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
WSB Municipal Bank has the higher TellerScore (93 vs 79). On the 7 directional measures above (where higher or lower is clearly better), WSB Municipal Bank leads on 5 and Watertown Savings Bank on 2. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.