Side-by-side · Q2 2026 data
Headwaters State Bank vs The International Bank of Amherst
Metric by metric
| Measure | Headwaters State Bank | The International Bank of Amherst |
|---|---|---|
| TellerScore | 47 | 98 (stronger) |
| Capital cushion | 62 | 94 (stronger) |
| Loan quality | 0 | 100 (stronger) |
| Earnings | 54 | 100 (stronger) |
| Funding & liquidity | 83 | 100 (stronger) |
| Problem-loan coverage | 49 | 100 (stronger) |
| Peer percentile | 5th | 100th |
| Total assets | $122.5M | $103.6M |
| Deposits / shares | $102.9M | $88.9M |
| Capital ratio | 11.21% | 14.42% (stronger) |
| Problem loans | 6.35% | 0.00% (stronger) |
| Net charge-offs | 0.01% | 0.00% (stronger) |
| Return on assets | 0.84% | 2.14% (stronger) |
| Loans ÷ deposits | 77.5% | 59.7% (stronger) |
| Uninsured deposits | 4.3% (stronger) | 12.4% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The International Bank of Amherst has the higher TellerScore (98 vs 47). On the 7 directional measures above (where higher or lower is clearly better), Headwaters State Bank leads on 1 and The International Bank of Amherst on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.