BlastPoint's Banking Scorecard
WSB Municipal Bank
Watertown, NY
Non-lending institution — comparison caveats apply
WSB Municipal Bank is a trust company, wealth-management entity, or similar non-lending FDIC institution. Loan-based ratios (Loan-to-Deposit, Delinquency Rate, Non-Performing Asset Ratio, Non-Interest-Bearing Deposit Share) and capital ratios are mathematically valid but not directly comparable to traditional banks. This bank is excluded from the Signature Analysis leaderboards for the same reason.
WSB Municipal Bank has 4 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 5.1% in tier
- + Efficiency Ratio 62.29% below tier average
- + Non-Interest-Bearing Deposit Share 20.97% above tier average
- + Nonperforming Asset Ratio 0.67% below tier average
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 4.5% in tier
- - Non-Interest Income / Assets 0.57% below tier average
- - Net Interest Margin 0.88% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$152.3M
+1.2% YoY
-3.6% QoQ
|
-$234.3M |
$386.6M
+1.2% YoY
|
$19.3B
+10.2% YoY
|
$6.3B
+7.7% YoY
|
Bottom 14.7% in tier |
| Total Loans ? | $0 | -$258.3M |
$258.3M
+1.7% YoY
|
$8.2B
+12.4% YoY
|
$3.2B
+9.4% YoY
|
Bottom 0.4% in tier |
| Total Deposits ? |
$98.5M
-6.0% YoY
-18.1% QoQ
|
-$228.3M |
$326.7M
+0.7% YoY
|
$14.8B
+8.7% YoY
|
$4.9B
+7.3% YoY
|
Bottom 5.0% in tier |
| Return on Assets ? |
2.37%
+59.2% YoY
+17.8% QoQ
|
+1.04% |
1.32%
+10.8% YoY
|
0.94%
+14.0% YoY
|
1.30%
+12.1% YoY
|
Top 6.2% in tier |
| Net Interest Margin ? |
3.10%
+57.4% YoY
+16.7% QoQ
|
-0.88% |
3.99%
+5.0% YoY
|
3.52%
+6.2% YoY
|
3.95%
+4.9% YoY
|
Bottom 12.8% in tier |
| Efficiency Ratio ? |
2.19%
-41.2% YoY
-19.8% QoQ
|
-62.29% |
64.48%
-3.2% YoY
|
67.96%
-1.8% YoY
|
70.05%
+2.5% YoY
|
Top 0.1% in tier |
| Delinquency Rate ? | - | - |
0.92%
+15.7% YoY
|
1.19%
+15.7% YoY
|
0.98%
+16.3% YoY
|
- |
| Loan-to-Deposit Ratio ? | 0.00% | -77.95% |
77.95%
+1.0% YoY
|
79.34%
+1.1% YoY
|
79.03%
+2.3% YoY
|
Top 0.1% in tier |
| Non-Interest-Bearing Deposit Share ? |
43.00%
-6.3% YoY
-2.5% QoQ
|
+20.97% |
22.03%
-0.6% YoY
|
22.09%
+0.6% YoY
|
21.98%
-0.6% YoY
|
Top 3.3% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -0.67% |
0.67%
+16.4% YoY
|
0.79%
+14.5% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
15.23%
+11.6% YoY
+2.3% QoQ
|
-0.68% |
15.91%
+1.4% YoY
|
23.90%
+5.3% YoY
|
17.09%
+0.8% YoY
|
67% |
| Non-Interest Income / Assets ? | 0.00% | -0.57% |
0.57%
+7.6% YoY
|
0.52%
+23.2% YoY
|
0.66%
+5.2% YoY
|
Bottom 0.5% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
43.0%
-2.9pp YoY -1.1pp QoQ |
+20.9pp | 22.1% | 22.1% | 22.2% | 97% |
| Brokered Deposits | n/a | n/a | 7.9% | 8.0% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I | n/a | n/a | 11.6% | 11.0% | 12.5% | n/a |
| CRE | n/a | n/a | 39.5% | 46.2% | 41.4% | n/a |
| 1-4 Family | n/a | n/a | 32.6% | 36.6% | 31.3% | n/a |
| Consumer | n/a | n/a | 4.1% | 5.1% | 5.0% | n/a |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 26.1% | 19.7% | n/a |
| Leverage Ratio |
15.2%
+1.6pp YoY +0.3pp QoQ |
+3.1pp | 12.2% | 13.9% | 12.6% | 88% |
| Total Capital Ratio | n/a | n/a | 19.9% | 27.2% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees | n/a | n/a | 58 | 914 | 482 | n/a |
| Assets per Employee ($) | n/a | n/a | $7.5M | $14.8M | $8.8M | n/a |
| Branch Count |
1
0 YoY 0 QoQ |
-4 | 4 | 27 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.1% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 0.9% | 1.3% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 24.15x | 1.92x | 20.23x | n/a |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.1% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
15.9%
+3.9pp YoY +2.2pp QoQ |
+3.7pp | 12.2% | 7.9% | 11.6% | 72% |
| Cost of Funds (YTD) |
0.4%
-0.1pp YoY -0.1pp QoQ |
-1.3pp | 1.7% | 1.8% | 1.7% | 2% |
| Net Income ($, YTD) |
$1.8M
+62.8% YoY — QoQ |
-$728K | $2.6M | $111.2M | $40.4M | 49% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (1)
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Concerns (1)
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.