Headwaters State Bank

Overview / Commentary
4175 County Highway B
Land O Lakes, WI 54540

Headwaters State Bank is headquartered in Land O Lakes and is the 163rd largest bank in the state of Wisconsin. It is also the 4,218th largest bank in the nation. It was established in 1921 and as of March of 2022, it had grown to 14 employees at 2 locations. Headwaters State Bank has an A health rating.


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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

FDIC Certificate #9035
Year Established1921
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.49%
Return on Equity - YTD4.05%
Annual Interest Income$599.00K
Assets and Liabilities
AssetsQ1 2022vs Q1 2021$80.4MM$79.0MM
LoansQ1 2022vs Q1 2021$40.9MM$40.2MM
DepositsQ1 2022vs Q1 2021$70.4MM$68.2MM
Equity CapitalQ1 2022vs Q1 2021$9.6MM$10.6MM
Loan Loss AllowanceQ1 2022vs Q1 2021$325.00K$385.00K
Unbacked Noncurrent LoansQ1 2022vs Q1 2021$13.00K$142.00K
Real Estate OwnedQ1 2022vs Q1 2021$0$0
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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

1.00%$1-Christmas Club Savings
0.50%$50-IRA Savings Account
0.25%$50-Passbook Savings Account
0.25%$50-Commercial Savings Account

Headwaters State Bank Money Market Rates

0.25%*$10k*-First Addition Money Market Account
OTHER TIERS: 0.15% $1 - $10k
0.15%*$2.5k*-Regular Money Market Account
OTHER TIERS: 0.10% $1 - $2.5k

Headwaters State Bank Checking Account Rates

0.10%$1k-NOW Checking Account

Headwaters State Bank CD Rates

1.51%$1k-5 Year CD
1.25%$1k-4 Year CD
1.00%$1k-3 Year CD
0.90%$1k-2 Year CD
0.25%$1k-15 Month CD
0.20%$1k-1 Year CD
0.10%$1k-3 Month CD
0.10%$1k-6 Month CD

Headwaters State Bank IRA Rates

1.51%$1k-5 Year IRA CD
1.25%$1k-4 Year IRA CD
1.00%$1k-3 Year IRA CD
0.90%$1k-2 Year IRA CD
0.25%$1k-15 Month IRA CD
0.20%$1k-1 Year IRA CD
0.10%$1k-3 Month IRA CD
0.10%$1k-6 Month IRA CD

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

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