BlastPoint's Banking Scorecard

WSB Municipal Bank

$100M-$1B Specialty: Other NY FDIC cert 7274

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.

2664 banks in the $100M-$1B peer group nationally 51 in NY

View $100M-$1B leaderboard (NY) →

WSB Municipal Bank has 4 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Profitability Leader: Top 16.7% in tier
+ Efficiency Ratio 62.56% below tier average
+ Non-Interest-Bearing Deposit Share 22.09% above tier average
+ Nonperforming Asset Ratio 0.64% below tier average

Key Concerns

Areas that may need attention

- Deposit Outflow: Bottom 5.7% in tier
- Net Interest Margin 1.27% below tier average
- Non-Interest Income / Assets 0.28% below tier average

Get updates when WSB Municipal Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Total Assets ?	$158.0M +2.8% YoY +3.2% QoQ	-$228.1M	$386.1M +0.5% YoY	$19.3B +17.3% YoY	$6.2B +9.1% YoY	17%
Total Loans ?	$0	-$255.7M	$255.7M +1.1% YoY	$8.1B +14.6% YoY	$3.2B +10.8% YoY	Bottom 0.4% in tier
Total Deposits ?	$120.2M -1.8% YoY +24.8% QoQ	-$207.8M	$328.0M +0.1% YoY	$15.1B +16.0% YoY	$4.8B +8.2% YoY	Bottom 11.9% in tier
Return on Assets ?	2.01% +49.2% YoY +12.7% QoQ	+0.74%	1.27% +12.9% YoY	0.86% +14.3% YoY	1.23% +13.4% YoY	Top 12.3% in tier
Net Interest Margin ?	2.66% +47.8% YoY +16.4% QoQ	-1.27%	3.93% +6.0% YoY	3.45% +7.0% YoY	3.89% +5.7% YoY	Bottom 5.0% in tier
Efficiency Ratio ?	2.73% -36.5% YoY -13.9% QoQ	-62.56%	65.29% -4.5% YoY	69.17% -3.6% YoY	66.95% -4.1% YoY	Top 0.1% in tier
Delinquency Rate ?	-	-	0.89% +18.8% YoY	1.13% +6.9% YoY	0.95% +18.8% YoY	-
Loan-to-Deposit Ratio ?	0.00%	-76.64%	76.64% +0.8% YoY	77.98% +0.4% YoY	76.70% +0.9% YoY	Top 0.1% in tier
Non-Interest-Bearing Deposit Share ?	44.11% -9.2% YoY +6.4% QoQ	+22.09%	22.02% -1.0% YoY	21.94% +1.2% YoY	22.01% -1.2% YoY	Top 3.0% in tier
Nonperforming Asset Ratio ?	0.00%	-0.64%	0.64% +19.7% YoY	0.73% +4.5% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	14.89% +11.7% YoY +2.3% QoQ	-0.94%	15.83% +1.5% YoY	24.83% +10.8% YoY	17.06% +0.8% YoY	65%
Non-Interest Income / Assets ?	0.00%	-0.28%	0.28% +9.3% YoY	0.21% +9.1% YoY	0.32% +4.1% YoY	Bottom 0.4% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Profitability Leader

growth

#112 of 666 • Top 16.7% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 2.01%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Concerns (1)

Deposit Outflow

decline

#30 of 506 • Bottom 5.7% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

506 of 506 Community banks match · 656 nationally

→ Stable -8 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (5 metrics)

Efficiency Ratio

profitability

Value: 2.73%

Peer Median: 65.29%

#1 of 2664 Top 0.1% in $100M-$1B

Loan-to-Deposit Ratio

liquidity

Value: 0.00%

Peer Median: 76.64%

#1 of 2664 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#1 of 2664 Top 0.1% in $100M-$1B

Non-Interest-Bearing Deposit Share

funding

Value: 44.11%

Peer Median: 22.02%

#80 of 2664 Top 3.0% in $100M-$1B

329

Return on Assets

profitability

Value: 2.01%

Peer Median: 1.27%

#329 of 2664 Top 12.3% in $100M-$1B

Top Weaknesses (5 metrics)

2655

Non-Interest Income / Assets

revenue_mix

Value: 0.00%

Peer Median: 0.28%

#2655 of 2664 Bottom 0.4% in $100M-$1B

2655

Total Loans

size

Value: $0.00

Peer Median: $255.72M

#2655 of 2664 Bottom 0.4% in $100M-$1B

2533

Net Interest Margin

profitability

Value: 2.66%

Peer Median: 3.93%

#2533 of 2664 Bottom 5.0% in $100M-$1B

2349

Total Deposits

size

Value: $120.16M

Peer Median: $327.97M

#2349 of 2664 Bottom 11.9% in $100M-$1B

2217

Total Assets

size

Value: $157.99M

Peer Median: $386.08M

#2217 of 2664 Bottom 16.8% in $100M-$1B