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

Headwaters State Bank is headquartered in Land O Lakes and is the 185th largest bank in the state of Wisconsin. It is also the 4,602nd largest bank in the nation. It was established in 1921 and as of December of 2018, it had grown to 13 employees at 2 locations. Headwaters State Bank has an A 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 - YTD1.37%
Return on Equity - YTD9.85%
Annual Interest Income$2.9MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$69.8MM$68.0MM
LoansQ4 2018vs Q4 2017$40.8MM$39.5MM
DepositsQ4 2018vs Q4 2017$60.1MM$58.3MM
Equity CapitalQ4 2018vs Q4 2017$9.4MM$9.5MM
Loan Loss AllowanceQ4 2018vs Q4 2017$555.00K$618.00K
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$645.00K$1.4MM
Real Estate OwnedQ4 2018vs Q4 2017$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

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