Headwaters State Bank
Land O' Lakes, WI
IDRSSD: 224954
Total Assets
$116.75M
Latest filing
Total Deposits
$97.92M
Latest filing
Net Interest Margin
3.48%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Headwaters State Bank
4175 County Road B
Land O' Lakes, WI 54540
Full Service - Brick and Mortar
Updated 11/14/2025Established 09/01/1921FDIC Certificate 5775
Branches (1)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Headwaters State Bank (Main) | 4175 County Road B | Land O' Lakes, WI |
| PRESQUE ISLE BRANCH | 8319 Main St | Presque Isle, WI |
Showing 1 of 1
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 09/01/1921 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 54540 |
| State and County Number | 55125 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 09 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 15 |
| Domestic Offices | 2 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/29/2021 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.headwatersstatebank.com |
| Data Updated | 11/14/2025 |
| CERT | 9035 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $116.75M |
| Total Deposits | $97.92M |
| Total Liabilities | $98.05M |
| Total Equity Capital | $18.70M |
| Net Income | $274.00k |
| Net Loans and Leases | $76.62M |
| Assets Per Employee ($Millions) | $8.34M |
| Bank Premises and Fixed Assets | $912.00k |
| Cash and Balances due from Depository Institutions | $13.41M |
| Deposits Held in Domestic Offices | $97.92M |
Key Performance Ratios
| Return on Assets (ROA) | 0.96% |
| Return on Equity (ROE) | 5.91% |
| Net Interest Margin | 3.48% |
| Efficiency Ratio | 57.42% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.09% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 16.018% |
| Earning Assets to total Assets | 90.54% |
Income and Expense
| Total Interest Income | $1.50M |
| Total Noninterest Income | $39.00k |
| Total Interest Expense | $601.00k |
| Total Noninterest Expense | $569.00k |
| Net Interest Income | $898.00k |
| Pre-tax Net Operating Income | $343.00k |
| Provision for Credit Losses | $25.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $124.00k |
| Total Liabilities and Capital | $116.75M |
Securities
| Securities | $18.21M |
| Available-for-sale debt securities | $18.21M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Headwaters State Bank?
$116.75M as of the latest filing.
How much are Headwaters State Bank's total deposits?
$97.92M in total deposits.
Where is Headwaters State Bank located?
Land O' Lakes, WI.
What is the Net Interest Margin?
3.48%.
How many domestic offices does it operate?
2.
When was it established?
09/01/1921.
What is the Return on Assets (ROA)?
0.96%.
How much are total loans and leases?
$76.62M (latest filing).
What is the total interest income (latest filing)?
$1.50M.