HEADWATERS STATE BANK

LAND O'LAKES, WI | Small | Est. Sept. 1, 1921, midnight | FDIC #9035 | RSSD #224954 | FDIC
Latest Report: 2025-12-31

HEADWATERS STATE BANK is asn small FDIC-insured commercial bank headquartered in LAND O'LAKES, WI, established in Sept. 1, 1921, midnight. As of 2025-12-31, the bank reported total assets of $117M and total deposits of $98M. Profitability stands at 0.86% ROA and 5.34% ROE, with a net interest margin of 3.27%. The bank's CET1 capital ratio is 5.82%, below regulatory well-capitalized thresholds. Asset quality metrics show a non-performing loan ratio of 6.19% and a Texas Ratio of 24.58%. FDIC Certificate #9035.

Assets

$117M

Deposits

$98M

Loans

$79M

Equity

$19M

Profitability

Return on Assets (ROA) 0.86%
Return on Equity (ROE) 5.34%
Net Interest Margin (NIM) 3.27%
Yield on Assets 5.54%
Cost of Funds 2.49%

Asset Quality

NPL Ratio 6.19%
Net Charge-Off Ratio 0.01%
Texas Ratio 24.58%
NPA Ratio 4.16%
ACL / Loans 1.05%

Capital & Liquidity

CET1 Ratio 5.82%
Tier 1 Capital 5.82%
Total Capital Ratio 6.11%
Leverage Ratio 11.19%
Loan-to-Deposit 80.54%

This is just the summary

The full dashboard covers 4,313 currently filing institutions with CAMELS analytics, peer benchmarks, and exportable tearsheets.

24+ years of history
Excel tearsheet exports
Peer benchmarking
Risk & failure probability
Create Free Account

No credit card required