WSB Municipal Bank: how it compares with its peers
Against 19 NY banks with half to twice its assets, WSB Municipal Bank's strongest measure in Q2 2026 is efficiency ratio (2.19% vs. a 78.37% peer median). Its weakest relative measure is net interest margin (3.10% vs. 3.93%).
| Measure | WSB Municipal Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.37% | 0.66% | Top third Ahead of 95% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.10% | 3.93% | Bottom third Ahead of 11% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 2.19% | 78.37% | Top third Ahead of 100% of peers |
| Loans to deposits Net loans and leases over total deposits. | 0.00% | 83.71% | Context |
What it means for lending operations
Its efficiency ratio of 2.19% is better than the 78.37% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Eastbank, National Association New York, NY · $153M
- The Putnam County National Bank of Carmel Carmel, NY · $183M
- Maple City Savings Bank, FSB Hornell, NY · $122M
- Bank of Richmondville Cobleskill, NY · $186M
- Savannah Bank National Association Savannah, NY · $187M
Questions about WSB Municipal Bank
How big is WSB Municipal Bank?
WSB Municipal Bank, established in 1913, is headquartered in Watertown, NY. It reported $152M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is WSB Municipal Bank's return on assets?
2.37% annualized in Q2 2026, against a 0.66% median for 19 NY banks with half to twice its assets, ahead of 95% of them.
What is WSB Municipal Bank's efficiency ratio?
2.19% in Q2 2026: it spent about 2 cents in noninterest expense for each dollar of revenue. The peer median is 78.37%, and lower is better.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are NY banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every New York bank ranked.