Side-by-side · Q2 2026 data
Headwaters State Bank vs Conservation First Bank
Metric by metric
| Measure | Headwaters State Bank | Conservation First Bank |
|---|---|---|
| TellerScore | 47 | 82 (stronger) |
| Capital cushion | 62 | 90 (stronger) |
| Loan quality | 0 | 75 (stronger) |
| Earnings | 54 | 100 (stronger) |
| Funding & liquidity | 83 (stronger) | 47 |
| Problem-loan coverage | 49 | 91 (stronger) |
| Peer percentile | 5th | 82nd |
| Total assets | $122.5M | $127.5M |
| Deposits / shares | $102.9M | $101.3M |
| Capital ratio | 11.21% | 13.96% (stronger) |
| Problem loans | 6.35% | 0.74% (stronger) |
| Net charge-offs | 0.01% | 0.01% (stronger) |
| Return on assets | 0.84% | 2.12% (stronger) |
| Loans ÷ deposits | 77.5% (stronger) | 108.0% |
| Uninsured deposits | 4.3% (stronger) | 19.9% |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Conservation First Bank has the higher TellerScore (82 vs 47). On the 7 directional measures above (where higher or lower is clearly better), Headwaters State Bank leads on 2 and Conservation First Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.