Overview / Commentary
Headwaters State Bank is headquartered in Land O Lakes and is the 181st largest bank in the state of Wisconsin. It is also the 4,569th largest bank in the nation. It was established in 1921 and as of June of 2019, it had grown to 14 employees at 2 locations. Headwaters State Bank has a B+ health rating.
Health
B+
Data as of Q2 2019
Learn why bank health mattersAdditional 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 Established | 1921 |
| Employees | 14 |
| Primary Regulator | FDIC |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 1.38% |
| Return on Equity - YTD | 9.53% |
| Annual Interest Income | $1.5MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q2 2019vs Q2 2018 | $66.8MM$67.5MM |
| Loans | Q2 2019vs Q2 2018 | $40.2MM$40.2MM |
| Deposits | Q2 2019vs Q2 2018 | $56.4MM$58.0MM |
| Equity Capital | Q2 2019vs Q2 2018 | $10.2MM$9.3MM |
| Loan Loss Allowance | Q2 2019vs Q2 2018 | $467.00K$563.00K |
| Unbacked Noncurrent Loans | Q2 2019vs Q2 2018 | $415.00K$669.00K |
| Real Estate Owned | Q2 2019vs Q2 2018 | $170.00K$40.00K |
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
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 1.00% | $1 | - | 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
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 0.30%* | $10k* | - | First Addition Money Market Account | ||
| OTHER TIERS: 0.20% → $1 - $10k | |||||
| 0.15%* | $2.5k* | - | Regular Money Market Account | ||
| OTHER TIERS: 0.10% → $1 - $2.5k | |||||
Headwaters State Bank Checking Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 0.02% | $1k | - | NOW Checking Account |
Headwaters State Bank CD Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 1.76% | $1k | - | 5 Year CD | |
| 1.51% | $1k | - | 4 Year CD | |
| 1.25% | $1k | - | 3 Year CD | |
| 1.00% | $1k | - | 2 Year CD | |
| 0.75% | $1k | - | 15 Month CD | |
| 0.50% | $1k | - | 1 Year CD | |
| 0.25% | $1k | - | 6 Month CD | |
| 0.15% | $1k | - | 3 Month CD |
Headwaters State Bank IRA Rates
Locations
| Headwaters State Bank Locations | ||
|---|---|---|
| Headwaters State Bank | 4175 County Highway B | Land O Lakes, WI 54540 |
| Presque Isle Branch | 8319 Main | Presque Isle, WI 54557 |