Headwaters State Bank
Overview / Commentary
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.
Health
A
Data as of Q4 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 | 13 |
| Primary Regulator | FDIC |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 1.37% |
| Return on Equity - YTD | 9.85% |
| Annual Interest Income | $2.9MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q4 2018vs Q4 2017 | $69.8MM$68.0MM |
| Loans | Q4 2018vs Q4 2017 | $40.8MM$39.5MM |
| Deposits | Q4 2018vs Q4 2017 | $60.1MM$58.3MM |
| Equity Capital | Q4 2018vs Q4 2017 | $9.4MM$9.5MM |
| Loan Loss Allowance | Q4 2018vs Q4 2017 | $555.00K$618.00K |
| Unbacked Noncurrent Loans | Q4 2018vs Q4 2017 | $645.00K$1.4MM |
| Real Estate Owned | Q4 2018vs Q4 2017 | $0$0 |
Rates
Rates for Headwaters State Bank are currently being reviewed.
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 |