Bank routing number ยท Land O'Lakes, Wisconsin
Headwaters State Bank Routing Number (ABA): 091510428
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The Headwaters State Bank routing number is 091510428. It is the primary ABA routing transit number on the bank's FFIEC National Information Center record, refreshed here on October 25, 2026.
Headwaters State Bank at a glance
It reports no CET1 ratio; its Tier 1 leverage ratio was 11.21% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Total assets, Q2 2026
- $122.5M
- Tier 1 leverage ratio, Q2 2026
- 11.21%
- Deposit insurance
- FDIC
- Regulator
- FDIC
- Domestic offices
- 2 FDIC institution directory, current count
- Established
- 1921
Full financial profile · Is Headwaters State Bank safe? · Branch locations
Headwaters State Bank routing numbers on file
| Routing number | Type | Status | Source |
|---|---|---|---|
| 091510428 | Primary ABA | Active | FFIEC NIC |
Record refreshed here on October 25, 2026. NIC holds one primary number per bank; Headwaters State Bank publishes any other numbers it uses itself.
What the digits mean
The first two digits, 09, place this number in the Federal Reserve Bank of Minneapolis's district (District 9). Digits five through eight, 1042, identify the institution within that district. The last digit, 8, is a check digit, and the number passes the standard check: weight the nine digits 3, 7, 1, 3, 7, 1, 3, 7, 1 and the sum is a multiple of 10.
Before you send money to Headwaters State Bank
A routing number tells the payment network which financial institution holds an account. You give it with an account number for ACH transfers through the automated clearing house, such as direct deposit, bill pay and transfers from a checking account, which usually settle in one to two business days. An international wire to a US account normally needs the bank's SWIFT code as well.
Match this number against the one on your Headwaters State Bank checks or in its online banking. Ask the bank for wire instructions (www.headwatersstatebank.com). Our record does not show whether this number receives wires. The Federal Reserve's E-Payments Routing Directory shows it: its Fedwire participant search lists the numbers that can receive Fedwire transfers, and its FedACH search lists those that receive ACH payments. How to confirm any routing number.
About Headwaters State Bank
Headwaters State Bank is headquartered in Land O'Lakes, Wisconsin and was established in 1921. It reported $122.5M in total assets and $102.9M in deposits for Q2 2026, the 137th largest of the 153 banks headquartered in Wisconsin. See the largest banks in Wisconsin by total assets. It reports 2 domestic offices. Its deposits have been FDIC insured since 1934. Its primary federal regulator is the FDIC.
What the digits in 091510428 mean
The first four digits, 0915, are the Federal Reserve routing symbol. The prefix 09 places the number in the 9th Federal Reserve District (Minneapolis). That is also the district where the bank is headquartered. Digits five through eight, 1042, identify the institution within its Federal Reserve district. The last digit, 8, is a check digit. Weighting the digits 3, 7 and 1 in turn gives 3 x 9 + 7 x 12 + 9 = 120, a multiple of 10, so 091510428 is a well-formed routing number. A mistyped digit almost always breaks that sum.
What is the Headwaters State Bank routing number?
The Headwaters State Bank routing number is 091510428. It is the primary ABA routing transit number registered to Headwaters State Bank, headquartered in Land O'Lakes, WI. The number comes from the FFIEC National Information Center institution record, last refreshed here on October 25, 2026.
What is the Headwaters State Bank wire routing number?
This page lists the primary routing number registered to Headwaters State Bank. The record does not say whether the bank uses the same number for wire transfers. Confirm the wire routing number with Headwaters State Bank before sending a wire.
Is ABA number 091510428 the routing number for Headwaters State Bank?
Yes. It is the primary routing number registered to Headwaters State Bank.
Which bank uses routing number 091510428?
It belongs to Headwaters State Bank, headquartered in Land O'Lakes, WI. It is the bank's primary ABA routing number (FDIC certificate 9035).
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Regulator records: FDIC BankFind (cert 9035) · FFIEC NIC profile (RSSD 224954)