Bank Comparison
Watertown Savings Bank vs Southpoint Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
16 · 8
winning metrics across 24 comparable rows
Capital adequacy
| Metric | Watertown Savings Bank | Southpoint Bank |
|---|---|---|
| CET1 Ratio | 28.92% | 9.69% |
| Tier 1 Capital Ratio | 28.92% | 9.69% |
| Total Capital Ratio | 29.24% | 10.96% |
| Tier 1 Leverage Ratio | 11.88% | 7.53% |
| Equity / Assets | 11.49% | 8.02% |
Profitability
| Metric | Watertown Savings Bank | Southpoint Bank |
|---|---|---|
| Return on Assets (ROA) | 0.70% | -0.27% |
| Return on Equity (ROE) | 6.05% | -3.34% |
| Net Interest Margin (NIM) | 2.96% | 3.04% |
| Yield on Earning Assets | 4.10% | 5.78% |
| Cost of Funds | 1.23% | 2.83% |
Asset quality
| Metric | Watertown Savings Bank | Southpoint Bank |
|---|---|---|
| Texas Ratio | 0.99% | 37.34% |
| Non-Performing Loan Ratio | 0.12% | 3.94% |
| Non-Performing Asset Ratio | 0.05% | 3.31% |
| Net Charge-Off Ratio | 0.00% | 0.09% |
| ACL / Loans | 0.30% | 2.95% |
Balance sheet
| Metric | Watertown Savings Bank | Southpoint Bank |
|---|---|---|
| Total Assets | $1,444M | $1,444M |
| Total Deposits | $1,259M | $1,318M |
| Total Loans | $633,415K | $1,133M |
| Total Equity | $165,965K | $115,835K |
| Net Income (quarter) | $2,506K | $-973 |
Liquidity & funding
| Metric | Watertown Savings Bank | Southpoint Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 50.29% | 85.97% |
| Core Deposit Ratio | 84.19% | 83.55% |
| Uninsured Deposit Ratio | 26.21% | 12.74% |
Identity
| Metric | Watertown Savings Bank | Southpoint Bank |
|---|---|---|
| Headquarters City | WATERTOWN | BIRMINGHAM |
| Headquarters State | MA | AL |
| Asset Tier | Large | Large |
| Charter Class | 0 | 0 |
| Regulator | FED | FDIC |
| Domestic Branches | 10 | 11 |
| Employees (FTE) | 110 | 129 |
| Established | April 18, 1870, midnight | Oct. 11, 2005, 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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