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

Headwaters State Bank is headquartered in Land O Lakes and is the 201st largest bank in the state of Wisconsin. It is also the 4,988th largest bank in the nation. It was established in 1921 and as of December of 2016, it had grown to 15 employees at 2 locations. Headwaters State Bank has a B 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 - YTD1.4%
Return on Equity - YTD9.53%
Annual Interest Income$3.0MM
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$67.9MM$69.5MM
LoansQ4 2016vs Q4 2015$40.4MM$41.9MM
DepositsQ4 2016vs Q4 2015$58.4MM$59.7MM
Equity CapitalQ4 2016vs Q4 2015$9.3MM$9.6MM
Loan Loss AllowanceQ4 2016vs Q4 2015$699.00K$661.00K
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$1.2MM$1.6MM
Real Estate OwnedQ4 2016vs Q4 2015$0$0

Rates for Headwaters State Bank are currently being reviewed.


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