Bank Comparison
Bank of Utica vs Watertown Savings Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
10 · 11
winning metrics across 21 comparable rows
Capital adequacy
| Metric | Bank of Utica | Watertown Savings Bank |
|---|---|---|
| CET1 Ratio | — | 28.92% |
| Tier 1 Capital Ratio | — | 28.92% |
| Total Capital Ratio | — | 29.24% |
| Tier 1 Leverage Ratio | 25.79% | 11.88% |
| Equity / Assets | 25.56% | 11.49% |
Profitability
| Metric | Bank of Utica | Watertown Savings Bank |
|---|---|---|
| Return on Assets (ROA) | 3.04% | 0.70% |
| Return on Equity (ROE) | 11.97% | 6.05% |
| Net Interest Margin (NIM) | 1.96% | 2.96% |
| Yield on Earning Assets | 3.91% | 4.10% |
| Cost of Funds | 2.67% | 1.23% |
Asset quality
| Metric | Bank of Utica | Watertown Savings Bank |
|---|---|---|
| Texas Ratio | 0.32% | 0.99% |
| Non-Performing Loan Ratio | 0.81% | 0.12% |
| Non-Performing Asset Ratio | 0.08% | 0.05% |
| Net Charge-Off Ratio | 0.02% | 0.00% |
| ACL / Loans | 1.11% | 0.30% |
Balance sheet
| Metric | Bank of Utica | Watertown Savings Bank |
|---|---|---|
| Total Assets | $1,447M | $1,444M |
| Total Deposits | $1,041M | $1,259M |
| Total Loans | $146,290K | $633,415K |
| Total Equity | $370,040K | $165,965K |
| Net Income (quarter) | $10,907K | $2,506K |
Liquidity & funding
| Metric | Bank of Utica | Watertown Savings Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 14.04% | 50.29% |
| Core Deposit Ratio | 86.62% | 84.19% |
| Uninsured Deposit Ratio | 32.99% | 26.21% |
Identity
| Metric | Bank of Utica | Watertown Savings Bank |
|---|---|---|
| Headquarters City | UTICA | WATERTOWN |
| Headquarters State | NY | MA |
| Asset Tier | Large | Large |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FED |
| Domestic Branches | 1 | 10 |
| Employees (FTE) | 44 | 110 |
| Established | April 23, 1927, midnight | April 18, 1870, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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