Side-by-side · Q2 2026 data
TS Bank vs Houghton State Bank
Metric by metric
| Measure | TS Bank | Houghton State Bank |
|---|---|---|
| TellerScore | 72 (stronger) | 69 |
| Capital cushion | 56 | 100 (stronger) |
| Loan quality | 53 (stronger) | 14 |
| Earnings | 100 (stronger) | 83 |
| Funding & liquidity | 96 (stronger) | 70 |
| Problem-loan coverage | 77 | 80 (stronger) |
| Peer percentile | 50th | 40th |
| Total assets | $432.7M | $204.8M |
| Deposits / shares | $387.4M | $169.2M |
| Capital ratio | 10.61% | 15.39% (stronger) |
| Problem loans | 1.41% (stronger) | 2.58% |
| Net charge-offs | 0.01% (stronger) | 0.03% |
| Return on assets | 2.21% (stronger) | 1.56% |
| Loans ÷ deposits | 59.8% (stronger) | 85.7% |
| Uninsured deposits | 19.2% (stronger) | 19.4% |
| Offices | 7 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.9% | 2.2% |
TS Bank has the higher TellerScore (72 vs 69). On the 7 directional measures above (where higher or lower is clearly better), TS Bank leads on 6 and Houghton State Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.