Bank Comparison
Headwaters State Bank vs Spectra Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
7 · 6
winning metrics across 13 scored rows
Compare a different pair
Search for a bank in each box, choose it from the list, then press Compare.
Capital adequacy
| Metric | Headwaters State Bank | Spectra Bank |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 11.21% | 7.88% |
| Equity / Assets | 15.80% | 7.51% |
Profitability
| Metric | Headwaters State Bank | Spectra Bank |
|---|---|---|
| Return on Assets (ROA) | 0.78% | -1.16% |
| Return on Equity (ROE) | 4.96% | -15.82% |
| Net Interest Margin (NIM) | 3.27% | 4.11% |
| Yield on Earning Assets | 5.46% | 6.62% |
| Cost of Funds | 2.22% | 2.42% |
Asset quality
| Metric | Headwaters State Bank | Spectra Bank |
|---|---|---|
| Texas Ratio | 38.20% | 0.00% |
| Non-Performing Loan Ratio | 6.35% | 0.00% |
| Non-Performing Asset Ratio | 4.18% | 0.00% |
| Net Charge-Off Ratio | 0.02% | 0.93% |
| ACL / Loans | 1.09% | 1.00% |
Balance sheet
| Metric | Headwaters State Bank | Spectra Bank |
|---|---|---|
| Total Assets | $122.5M | $126.7M |
| Total Deposits | $102.9M | $110.8M |
| Total Loans | $80.6M | $87.2M |
| Total Equity | $19.4M | $9.5M |
| Net Income (quarter) | $238K | ($384K) |
Liquidity & funding
| Metric | Headwaters State Bank | Spectra Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 78.35% | 78.71% |
| Core Deposit Ratio | 80.10% | 81.50% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Headwaters State Bank | Spectra Bank |
|---|---|---|
| Headquarters City | Land O'Lakes | Fort Worth |
| Headquarters State | WI | TX |
| Asset Tier | $100M to $1B in assets | $100M to $1B in assets |
| Regulator | FDIC | FDIC |
| Domestic Branches | 2 | 2 |
| Employees (FTE) | 15 | 24 |
| Established | September 1, 1921 | June 30, 1986 |
About this comparison
All metrics are sourced from FFIEC call report filings, the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of June 30, 2026. The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio. Size and identity rows (assets, deposits, loans, equity, branches, employees) are shown for context and are not scored, and two values that match at the precision shown count as a tie.
View full Headwaters State Bank profile | View full Spectra Bank profile | Browse all bank comparisons