WSB Municipal Bank
Watertown, NY · Cert 7274 · Peer group: banks under $1B in assets (n=594-629)
State charter, non-member · FDIC · 1 branch
Q2 2026
$152.3MAssets
$0KLoans
$98.5MDeposits
$23.4MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 100% of banks under $1B in assets (rank 1 of 629).
- Widest gap: net interest margin trails 77% of banks under $1B in assets (rank 487 of 629).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
2.40%
Rank 54 of 629
Net Interest Margin
2.95%
Rank 487 of 629
Efficiency Ratio
2.19%
Rank 1 of 629
Equity / Assets
15.38%
Rank 129 of 629
Non-interest income vs. expense
Unfavorable gap of $104K · efficiency ratio beats 100% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.40% | 0.60% | 1.01% | 1.45% | Beats 91% | 54 / 629 | |
| Return on Equity | 15.60% | 5.38% | 9.30% | 13.28% | Beats 86% | 89 / 629 | |
| Net Interest Margin | 2.95% | 3.03% | 3.54% | 4.05% | Beats 23% | 487 / 629 | |
| Efficiency Ratio | 2.19% | 58.35% | 67.79% | 79.08% | Beats 100% | 1 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | n/a | Not reported for this institution |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 15.23% | 11.24% | 13.84% | 18.77% | Beats 61% | 243 / 629 | |
| Total Risk-Based Capital Ratio | 15.23% | 11.58% | 14.43% | 19.66% | Beats 55% | 284 / 629 | |
| Equity / Assets | 15.38% | 9.09% | 10.65% | 13.80% | Beats 79% | 129 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 0.00% | 67.24% | 80.90% | 93.48% | 0th pctl | 582 / 594 | |
| Loans / Assets | 0.00% | 53.31% | 67.71% | 78.15% | 0th pctl | 582 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |