Headwaters State Bank

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 178^th largest bank in the state of Wisconsin. It is also the 4,495^th largest bank in the nation. It was established in 1921 and as of December of 2019, it had grown to 14 employees at 2 locations. Headwaters State Bank has a B health rating.

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Health

Data as of Q4 2019

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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

Overall
FDIC Certificate #	9035
Year Established	1921
Employees	14
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	1.43%
Return on Equity - YTD	9.56%
Annual Interest Income	$3.0MM

Assets and Liabilities
Assets	Q4 2019vs Q4 2018	$67.1MM$69.8MM
Loans	Q4 2019vs Q4 2018	$39.9MM$40.8MM
Deposits	Q4 2019vs Q4 2018	$56.6MM$60.1MM
Equity Capital	Q4 2019vs Q4 2018	$10.3MM$9.4MM
Loan Loss Allowance	Q4 2019vs Q4 2018	$445.00K$555.00K
Unbacked Noncurrent Loans	Q4 2019vs Q4 2018	$410.00K$645.00K
Real Estate Owned	Q4 2019vs Q4 2018	$150.00K$0

Rates

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Money Market
Checking
CD
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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
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
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
1.51%	$1k	-	5 Year CD
1.35%	$1k	-	4 Year CD
1.15%	$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

APY	MIN	MAX	ACCOUNT NAME
1.51%	$1k	-	5 Year IRA CD
1.35%	$1k	-	4 Year IRA CD
1.15%	$1k	-	3 Year IRA CD
1.00%	$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 Bank	4175 County Highway B	Land O Lakes, WI 54540
Presque Isle Branch	8319 Main	Presque Isle, WI 54557

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