Side-by-side · Q2 2026 data
Associated Bank, National Association vs Headwaters State Bank
Metric by metric
| Measure | Associated Bank, National Association | Headwaters State Bank |
|---|---|---|
| TellerScore | 58 (stronger) | 47 |
| Capital cushion | 34 | 62 (stronger) |
| Loan quality | 86 (stronger) | 0 |
| Earnings | 62 (stronger) | 54 |
| Funding & liquidity | 33 | 83 (stronger) |
| Problem-loan coverage | 94 (stronger) | 49 |
| Peer percentile | 20th | 5th |
| Total assets | $51.8B | $122.5M |
| Deposits / shares | $40.1B | $102.9M |
| Capital ratio | 8.40% | 11.21% (stronger) |
| Problem loans | 0.42% (stronger) | 6.35% |
| Net charge-offs | 0.17% | 0.01% (stronger) |
| Return on assets | 1.05% (stronger) | 0.84% |
| Loans ÷ deposits | 90.1% | 77.5% (stronger) |
| Uninsured deposits | 49.0% | 4.3% (stronger) |
| Offices | 212 | 2 |
| CFPB complaints (3 yrs) | 349 | — |
| Complaints per $1B deposits | 8.7 | — |
| Mortgage denial rate (HMDA) | — | — |
Associated Bank, National Association has the higher TellerScore (58 vs 47). On the 7 directional measures above (where higher or lower is clearly better), Associated Bank, National Association leads on 3 and Headwaters State Bank on 4. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.