Headwaters State Bank
LOCATIONS
2
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HEALTH RATING
A
View health report
CURRENT TOP RATE
3.02% APY
5 Year CD
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Popular Accounts at this Bank
| APY | ACCOUNT TYPE | HOW THEY COMPARE |
|---|---|---|
| 3.02% | 5-year CD | 3.10% - Barclays 60 Month Online CD |
| 0.50% | 1-year CD | 2.75% - Barclays 12 Month Online CD |
| 0.30% | Savings |
Overview / Commentary
Headwaters State Bank is headquartered in Land O Lakes and is the 186th largest bank in the state of Wisconsin. It is also the 4,676th largest bank in the nation. It was established in 1921 and as of September of 2018, it had grown to 14 employees at 2 locations. Headwaters State Bank has an A health rating.
Health
A
Data as of Q3 2018
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 | 1.34% |
| Return on Equity - YTD | 9.54% |
| Annual Interest Income | $2.1MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q3 2018vs Q3 2017 | $67.1MM$63.8MM |
| Loans | Q3 2018vs Q3 2017 | $40.4MM$39.3MM |
| Deposits | Q3 2018vs Q3 2017 | $57.5MM$54.0MM |
| Equity Capital | Q3 2018vs Q3 2017 | $9.3MM$9.6MM |
| Loan Loss Allowance | Q3 2018vs Q3 2017 | $567.00K$620.00K |
| Unbacked Noncurrent Loans | Q3 2018vs Q3 2017 | $682.00K$1.1MM |
| Real Estate Owned | Q3 2018vs Q3 2017 | $0$18.00K |
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 |
|---|---|---|---|---|
| 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
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 |