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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 195th largest bank in the state of Wisconsin. It is also the 4,833rd largest bank in the nation. It was established in 1921 and as of March of 2018, it had grown to 15 employees at 2 locations. Headwaters State Bank has a B+ health rating.

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Health
B+
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 - YTD1.18%
Return on Equity - YTD8.28%
Annual Interest Income$685.00K
Assets and Liabilities
AssetsQ1 2018vs Q1 2017$64.7MM$61.7MM
LoansQ1 2018vs Q1 2017$39.7MM$39.6MM
DepositsQ1 2018vs Q1 2017$55.3MM$52.2MM
Equity CapitalQ1 2018vs Q1 2017$9.3MM$9.4MM
Loan Loss AllowanceQ1 2018vs Q1 2017$614.00K$692.00K
Unbacked Noncurrent LoansQ1 2018vs Q1 2017$1.1MM$1.1MM
Real Estate OwnedQ1 2018vs Q1 2017$0$135.00K
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%--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% Up to $10k
0.15%*$1k*-Regular Money Market Account
OTHER TIERS: 0.10% Up to $1k

Headwaters State Bank Checking Account Rates

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

Headwaters State Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.01%$1k-5 Year CD
1.40%$1k-4 Year CD
1.10%$1k-3 Year CD
0.75%$1k-15 Month CD
0.75%$1k-2 Year 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
2.01%$500-5 Year IRA CD
1.40%$500-4 Year IRA CD
1.10%$500-3 Year IRA CD
0.75%$500-15 Month IRA CD
0.75%$500-2 Year IRA CD
0.50%$500-1 Year IRA CD
0.25%$500-6 Month IRA CD
0.15%$500-3 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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