Side-by-side · Q2 2026 data
Headwaters State Bank vs Forward Bank
Metric by metric
| Measure | Headwaters State Bank | Forward Bank |
|---|---|---|
| TellerScore | 47 | 64 (stronger) |
| Capital cushion | 62 (stronger) | 42 |
| Loan quality | 0 | 91 (stronger) |
| Earnings | 54 | 56 (stronger) |
| Funding & liquidity | 83 (stronger) | 51 |
| Problem-loan coverage | 49 | 96 (stronger) |
| Peer percentile | 5th | 33rd |
| Total assets | $122.5M | $1.3B |
| Deposits / shares | $102.9M | $1.0B |
| Capital ratio | 11.21% (stronger) | 9.18% |
| Problem loans | 6.35% | 0.28% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.02% |
| Return on assets | 0.84% | 0.90% (stronger) |
| Loans ÷ deposits | 77.5% (stronger) | 90.5% |
| Uninsured deposits | 4.3% (stronger) | 32.2% |
| Offices | 2 | 15 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 4.2% |
Forward Bank has the higher TellerScore (64 vs 47). On the 7 directional measures above (where higher or lower is clearly better), Headwaters State Bank leads on 4 and Forward Bank on 3. 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.