Side-by-side · Q2 2026 data
Houghton State Bank vs Northwest Bank
Metric by metric
| Measure | Houghton State Bank | Northwest Bank |
|---|---|---|
| TellerScore | 69 | 70 (stronger) |
| Capital cushion | 100 (stronger) | 51 |
| Loan quality | 14 | 92 (stronger) |
| Earnings | 83 (stronger) | 74 |
| Funding & liquidity | 70 (stronger) | 51 |
| Problem-loan coverage | 80 | 96 (stronger) |
| Peer percentile | 40th | 58th |
| Total assets | $204.8M | $3.0B |
| Deposits / shares | $169.2M | $2.6B |
| Capital ratio | 15.39% (stronger) | 10.12% |
| Problem loans | 2.58% | 0.23% (stronger) |
| Net charge-offs | 0.03% (stronger) | 0.04% |
| Return on assets | 1.56% (stronger) | 1.35% |
| Loans ÷ deposits | 85.7% (stronger) | 93.9% |
| Uninsured deposits | 19.4% (stronger) | 28.8% |
| Offices | 5 | 22 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.2% | 6.0% |
Northwest Bank has the higher TellerScore (70 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Houghton State Bank leads on 5 and Northwest Bank on 2. 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.