Side-by-side · Q2 2026 data
Headwaters State Bank vs BMO Bank National Association
Metric by metric
| Measure | Headwaters State Bank | BMO Bank National Association |
|---|---|---|
| TellerScore | 47 | 58 (stronger) |
| Capital cushion | 62 | 63 (stronger) |
| Loan quality | 0 | 69 (stronger) |
| Earnings | 54 (stronger) | 26 |
| Funding & liquidity | 83 (stronger) | 46 |
| Problem-loan coverage | 49 | 93 (stronger) |
| Peer percentile | 5th | 21st |
| Total assets | $122.5M | $255.0B |
| Deposits / shares | $102.9M | $194.1B |
| Capital ratio | 11.21% | 11.29% (stronger) |
| Problem loans | 6.35% | 0.92% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.20% |
| Return on assets | 0.84% (stronger) | 0.15% |
| Loans ÷ deposits | 77.5% | 71.8% (stronger) |
| Uninsured deposits | 4.3% (stronger) | 52.7% |
| Offices | 2 | 957 |
| CFPB complaints (3 yrs) | — | 3,939 |
| Complaints per $1B deposits | — | 20.3 |
| Mortgage denial rate (HMDA) | — | — |
BMO Bank National Association has the higher TellerScore (58 vs 47). On the 7 directional measures above (where higher or lower is clearly better), Headwaters State Bank leads on 3 and BMO Bank National Association 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.