Side-by-side · Q2 2026 data
Iowa Trust and Savings Bank vs Houghton State Bank
Metric by metric
| Measure | Iowa Trust and Savings Bank | Houghton State Bank |
|---|---|---|
| TellerScore | 91 (stronger) | 69 |
| Capital cushion | 85 | 100 (stronger) |
| Loan quality | 100 (stronger) | 14 |
| Earnings | 87 (stronger) | 83 |
| Funding & liquidity | 90 (stronger) | 70 |
| Problem-loan coverage | 100 (stronger) | 80 |
| Peer percentile | 96th | 40th |
| Total assets | $210.6M | $204.8M |
| Deposits / shares | $142.1M | $169.2M |
| Capital ratio | 13.46% | 15.39% (stronger) |
| Problem loans | 0.01% (stronger) | 2.58% |
| Net charge-offs | 0.05% | 0.03% (stronger) |
| Return on assets | 1.68% (stronger) | 1.56% |
| Loans ÷ deposits | 63.7% (stronger) | 85.7% |
| Uninsured deposits | 20.9% | 19.4% (stronger) |
| Offices | 2 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 2.2% |
Iowa Trust and Savings Bank has the higher TellerScore (91 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Iowa Trust and Savings Bank leads on 4 and Houghton State Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.