Side-by-side · Q2 2026 data
Houghton State Bank vs Keystone Savings Bank
Metric by metric
| Measure | Houghton State Bank | Keystone Savings Bank |
|---|---|---|
| TellerScore | 69 (stronger) | 60 |
| Capital cushion | 100 (stronger) | 63 |
| Loan quality | 14 | 52 (stronger) |
| Earnings | 83 (stronger) | 40 |
| Funding & liquidity | 70 | 81 (stronger) |
| Problem-loan coverage | 80 | 84 (stronger) |
| Peer percentile | 40th | 19th |
| Total assets | $204.8M | $200.8M |
| Deposits / shares | $169.2M | $168.7M |
| Capital ratio | 15.39% (stronger) | 11.29% |
| Problem loans | 2.58% | 1.44% (stronger) |
| Net charge-offs | 0.03% | 0.02% (stronger) |
| Return on assets | 1.56% (stronger) | 0.50% |
| Loans ÷ deposits | 85.7% | 73.7% (stronger) |
| Uninsured deposits | 19.4% (stronger) | 20.5% |
| Offices | 5 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.2% | 4.1% |
Houghton State Bank has the higher TellerScore (69 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Houghton State Bank leads on 4 and Keystone Savings Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.