Side-by-side · Q2 2026 data
Headwaters State Bank vs KeySavings Bank
Metric by metric
| Measure | Headwaters State Bank | KeySavings Bank |
|---|---|---|
| TellerScore | 47 | 68 (stronger) |
| Capital cushion | 62 (stronger) | 44 |
| Loan quality | 0 | 98 (stronger) |
| Earnings | 54 (stronger) | 42 |
| Funding & liquidity | 83 (stronger) | 81 |
| Problem-loan coverage | 49 | 99 (stronger) |
| Peer percentile | 5th | 37th |
| Total assets | $122.5M | $129.5M |
| Deposits / shares | $102.9M | $99.7M |
| Capital ratio | 11.21% (stronger) | 9.38% |
| Problem loans | 6.35% | 0.07% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.22% |
| Return on assets | 0.84% (stronger) | 0.55% |
| Loans ÷ deposits | 77.5% (stronger) | 78.8% |
| Uninsured deposits | 4.3% (stronger) | 13.9% |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
KeySavings Bank has the higher TellerScore (68 vs 47). On the 7 directional measures above (where higher or lower is clearly better), Headwaters State Bank leads on 5 and KeySavings Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.