Featured Savings Rates
Featured Accounts

Headwaters State Bank

Popular Accounts at this Bank

APYACCOUNT TYPEACCOUNT NAME
1.51%5-year CD5 Year CD
0.50%1-year CD1 Year CD
0.30%SavingsPassbook Savings Account

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 204th largest bank in the state of Wisconsin. It is also the 5,054th largest bank in the nation. It was established in 1921 and as of September of 2016, 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 - YTD1.44%
Return on Equity - YTD9.65%
Annual Interest Income$2.3MM
Assets and Liabilities
AssetsQ3 2016vs Q3 2015$66.0MM$68.2MM
LoansQ3 2016vs Q3 2015$41.0MM$42.2MM
DepositsQ3 2016vs Q3 2015$55.9MM$58.3MM
Equity CapitalQ3 2016vs Q3 2015$10.0MM$9.7MM
Loan Loss AllowanceQ3 2016vs Q3 2015$775.00K$663.00K
Unbacked Noncurrent LoansQ3 2016vs Q3 2015$1.2MM$1.3MM
Real Estate OwnedQ3 2016vs Q3 2015$0$161.00K
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
0.75%$50- Coverdell Education Savings Account
0.30%$50-Passbook Savings Account
0.30%$50-Commercial Savings Account

Headwaters State Bank Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%*$10k*-First Addition Money Market Account
OTHER TIERS: 0.15% 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
1.51%$1k-5 Year CD
1.10%$1k-4 Year CD
1.00%$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
1.51%$500-5 Year IRA CD
1.10%$500-4 Year IRA CD
1.00%$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