Side-by-side · Q2 2026 data
Headwaters State Bank vs Security State Bank
Metric by metric
| Measure | Headwaters State Bank | Security State Bank |
|---|---|---|
| TellerScore | 47 | 93 (stronger) |
| Capital cushion | 62 | 100 (stronger) |
| Loan quality | 0 | 88 (stronger) |
| Earnings | 54 | 100 (stronger) |
| Funding & liquidity | 83 (stronger) | 75 |
| Problem-loan coverage | 49 | 98 (stronger) |
| Peer percentile | 5th | 98th |
| Total assets | $122.5M | $136.2M |
| Deposits / shares | $102.9M | $105.2M |
| Capital ratio | 11.21% | 21.38% (stronger) |
| Problem loans | 6.35% | 0.37% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.03% |
| Return on assets | 0.84% | 2.67% (stronger) |
| Loans ÷ deposits | 77.5% (stronger) | 85.6% |
| Uninsured deposits | 4.3% (stronger) | 15.0% |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 9.1% |
Security State Bank has the higher TellerScore (93 vs 47). On the 7 directional measures above (where higher or lower is clearly better), Headwaters State Bank leads on 3 and Security State Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.