WSB Municipal Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks WSB Municipal Bank of Watertown, NY against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 2.59% | 1.34% | +1.25% | 95th top |
| ROAE | 18.05% | 13.31% | +4.74% | 80th top |
| Net Interest Margin | 3.38% | 3.93% | -0.55% | 23rd bottom |
| Efficiency Ratio | 1.78% | 61.15% | -59.37% | 100th top |
| PPNR / Avg Assets | 3.29% | 1.68% | +1.61% | 97th top |
| Yield on Earning Assets | 3.74% | 5.67% | -1.93% | 1st bottom |
| Cost of Funds | 0.52% | 1.88% | -1.36% | 98th top |
| Net Interest Spread | 2.80% | 3.32% | -0.52% | 24th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPA / Total Assets | 0.00% | 0.70% | -0.70% | 94th top |
| Texas Ratio | 0.00% | 7.33% | -7.33% | 95th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 15.23% | 12.14% | +3.09% | 87th top |
| Equity / Assets | 15.38% | 11.37% | +4.01% | 89th top |
| TCE / Tangible Assets | 15.38% | 11.09% | +4.29% | 90th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 0.00% | 80.65% | -80.65% | 100th top |
| Core Deposit Ratio | 91.91% | 86.86% | +5.05% | 67th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.19% | 6.85% | -5.66% | 27th below |
| Deposit Growth (Y/Y) | -5.98% | 6.29% | -12.27% | 5th bottom |
See WSB Municipal Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock WSB Municipal Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full WSB Municipal Bank profile, how to read a UBPR, or how this data updates.