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Headwaters State Bank
Land O' Lakes, WI · FDIC Certificate #9035 · Chartered 09/0
Total assets
$122.48M
Total deposits
$102.88M
Total equity
$19.36M
Net loans
$79.73M
Branches (offices)
2
Net income (YTD)
$505.00K
Rank: #3,512 of 4,213 U.S. banks by assets · #137 of 153 in Wisconsin. Assets changed 8.9% and deposits 9.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.84% |
| Return on equity | 5.27% |
| Net interest margin (YTD) | 3.33% |
| Equity to assets | 15.80% |
| Tier 1 leverage ratio | 11.21% |
| Uninsured deposits (share of deposits) | 4.3% |
| Noncurrent loans (share of loans) | 6.35% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 77.5% |
| Real estate loans (share of loans) | 87.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $69.65M | 87.4% | |
| Commercial & industrial | $7.28M | 9.1% | |
| Consumer / individual | $1.69M | 2.1% | |
| Construction & development | $4.80M | 6.0% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $99.84M | $84.61M | $52.00K | $14.79M |
| Jun 2023 | $94.74M | $77.97M | $399.00K | $16.64M |
| Jun 2024 | $92.40M | $74.98M | $153.00K | $17.26M |
| Jun 2025 | $112.51M | $93.92M | $467.00K | $18.38M |
| Jun 2026 | $122.48M | $102.88M | $505.00K | $19.36M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Wisconsin | $102.88M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $102.88M.
Similar-sized banks
Farmers And Merchants Savings Bank ($122.50M) · Solon State Bank ($122.48M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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