Headwaters State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Headwaters State Bank of Land O'Lakes, WI against its peer group of 2757 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.78% | 1.25% | -0.47% | 21st bottom |
| ROAE | 4.96% | 12.22% | -7.26% | 13th bottom |
| Net Interest Margin | 3.27% | 3.95% | -0.68% | 18th bottom |
| Efficiency Ratio Ahead of the peer average, behind the median peer. | 61.72% | 63.71% | -1.99% | 48th below |
| PPNR / Avg Assets | 1.07% | — | — | 22nd bottom |
| Yield on Earning Assets | 5.46% | 5.67% | -0.21% | 43rd below |
| Cost of Funds | 2.22% | 1.87% | +0.35% | 25th below |
| Net Interest Spread | 2.62% | — | — | 17th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 6.35% | 0.88% | +5.47% | 1st bottom |
| NPA / Total Assets | 4.18% | — | — | 1st bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.02% | 0.15% | -0.13% | 34th below |
| ACL / Total Loans | 1.09% | — | — | 37th below |
| ACL / NPLs (Coverage) | 17.16% | — | — | 1st bottom |
| Texas Ratio | 10.20% | 5.96% | +4.24% | 18th bottom |
| Provision / NCO | 675.00% | — | — | 78th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.21% | 11.75% | -0.54% | 54th above |
| Equity / Assets | 15.80% | 10.98% | +4.82% | 90th top |
| TCE / Tangible Assets | 10.83% | — | — | 61st above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 78.35% | 80.44% | -2.09% | 55th above |
| Core Deposit Ratio | 80.10% | 86.95% | -6.85% | 17th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 8.86% | — | — | 78th top |
| Loan Growth (Y/Y) | 4.49% | — | — | 44th below |
| Deposit Growth (Y/Y) | 9.54% | — | — | 81st top |
See Headwaters State Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Headwaters State Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Headwaters State Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Headwaters State Bank peer analysis.