Side-by-side · Q2 2026 data
Headwaters State Bank vs Nicolet National Bank
Metric by metric
| Measure | Headwaters State Bank | Nicolet National Bank |
|---|---|---|
| TellerScore | 47 | 64 (stronger) |
| Capital cushion | 62 (stronger) | 46 |
| Loan quality | 0 | 79 (stronger) |
| Earnings | 54 | 67 (stronger) |
| Funding & liquidity | 83 (stronger) | 54 |
| Problem-loan coverage | 49 | 94 (stronger) |
| Peer percentile | 5th | 46th |
| Total assets | $122.5M | $15.4B |
| Deposits / shares | $102.9M | $13.0B |
| Capital ratio | 11.21% (stronger) | 9.64% |
| Problem loans | 6.35% | 0.63% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.03% |
| Return on assets | 0.84% | 1.17% (stronger) |
| Loans ÷ deposits | 77.5% (stronger) | 86.0% |
| Uninsured deposits | 4.3% (stronger) | 33.2% |
| Offices | 2 | 110 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 4.5% |
Nicolet National 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 Nicolet National 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.