Featured Savings Rates
Featured Accounts

Headwaters State Bank

Popular Accounts at this Bank

APYACCOUNT TYPEACCOUNT NAME
1.66%5-year CD5 Year CD
0.50%1-year CD1 Year CD
0.30%SavingsPassbook Savings Account

Overview / Commentary
715-547-3383
4175 County Highway B
Land O Lakes, WI 54540

Headwaters State Bank is headquartered in Land O Lakes and is the 198th largest bank in the state of Wisconsin. It is also the 4,996th largest bank in the nation. It was established in 1921 and as of June of 2017, it had grown to 15 employees at 2 locations. Headwaters State Bank has a B health rating.

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Health
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. Headwaters State Bank has a relatively low asset base.

Health Grade Components

Overall
FDIC Certificate #9035
Year Established1921
Employees15
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.13%
Return on Equity - YTD7.69%
Annual Interest Income$1.4MM
Assets and Liabilities
AssetsQ2 2017vs Q2 2016$62.5MM$64.5MM
LoansQ2 2017vs Q2 2016$39.7MM$41.5MM
DepositsQ2 2017vs Q2 2016$52.8MM$54.4MM
Equity CapitalQ2 2017vs Q2 2016$9.6MM$10.0MM
Loan Loss AllowanceQ2 2017vs Q2 2016$692.00K$660.00K
Unbacked Noncurrent LoansQ2 2017vs Q2 2016$1.3MM$1.1MM
Real Estate OwnedQ2 2017vs Q2 2016$78.00K$0
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Headwaters State Bank Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%--Christmas Club Savings
0.75%$50-IRA Savings Account
0.30%$50-Passbook Savings Account
0.30%$50-Commercial Savings Account

Headwaters State Bank Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%*$10k*-First Addition Money Market Account
OTHER TIERS: 0.15% Up to $10k
0.15%*$1k*-Regular Money Market Account
OTHER TIERS: 0.10% Up to $1k

Headwaters State Bank Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.02%$1k-NOW Checking Account

Headwaters State Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.66%$1k-5 Year CD
1.40%$1k-4 Year CD
1.10%$1k-3 Year CD
0.75%$1k-15 Month CD
0.75%$1k-2 Year CD
0.50%$1k-1 Year CD
0.25%$1k-6 Month CD
0.15%$1k-3 Month CD

Headwaters State Bank IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.66%$500-5 Year IRA CD
1.40%$500-4 Year IRA CD
1.10%$500-3 Year IRA CD
0.75%$500-15 Month IRA CD
0.75%$500-2 Year IRA CD
0.50%$500-1 Year IRA CD
0.25%$500-6 Month IRA CD
0.15%$500-3 Month IRA CD
Locations


Headwaters State Bank Locations
Headwaters State Bank4175 County Highway BLand O Lakes, WI 54540
Presque Isle Branch8319 MainPresque Isle, WI 54557