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 189th largest bank in the state of Wisconsin. It is also the 4,713th largest bank in the nation. It was established in 1921 and as of June of 2018, it had grown to 15 employees at 2 locations. Headwaters State Bank has an A 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 - YTD1.23%
Return on Equity - YTD8.78%
Annual Interest Income$1.4MM
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$67.5MM$62.5MM
LoansQ2 2018vs Q2 2017$40.2MM$39.7MM
DepositsQ2 2018vs Q2 2017$58.0MM$52.8MM
Equity CapitalQ2 2018vs Q2 2017$9.3MM$9.6MM
Loan Loss AllowanceQ2 2018vs Q2 2017$563.00K$692.00K
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$669.00K$1.3MM
Real Estate OwnedQ2 2018vs Q2 2017$40.00K$78.00K
Rates
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Always verify rates and promotions with the bank or credit union. We are not Headwaters State Bank; we are a rate comparison website and cannot provide official rates or promotions.

* 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%$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

APYMINMAXACCOUNT NAMEVIEW 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

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

Headwaters State Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.02%$1k-5 Year CD
2.52%$1k-4 Year CD
2.26%$1k-3 Year CD
2.11%$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

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.02%$1k-5 Year IRA CD
2.52%$1k-4 Year IRA CD
2.26%$1k-3 Year IRA CD
2.11%$1k-2 Year IRA CD
0.75%$1k-15 Month IRA CD
0.50%$1k-1 Year IRA CD
0.25%$1k-6 Month IRA CD
0.15%$1k-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

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