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 Headwaters State Bank
Headwaters State Bank
| RSSD ID 224954 | CERTIFICATE 9035 | ABA NUMBER 91510428 |
| 4175 County Road B |
Quarter Ended : |
2025-12-31 |
| Land O' Lakes, Wisconsin, 54540 |
Updated : |
2026-01-20 |
| www.headwatersstatebank.com |
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| Institution Profile |
| Year Opened : |
1921 |
Institution Type : |
Commercial bank |
| Entity Type : |
State |
Federal Regulator : |
FDIC |
| Member Federal Reserve : |
No |
S-Corp : |
No |
| Fiduciary Powers : |
No |
Powers Exercised : |
No |
| Filing Type : |
051 |
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| Specialization : |
Commercial Lending Specialization |
| Number of Offices : |
2 |
Number of Employees : |
15 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 117,440 |
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Total Interest Income | 5,846 |
| Total Liabilities | 98,389 |
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Total NonInterest Income | 160 |
| Total Bank Equity Capital | 19,051 |
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Total Interest Expense | 2,372 |
| Total Deposits | 98,063 |
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Total NonInterest Expense | 2,301 |
| Net Loans & Leases | 78,151 |
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Net Income | 993 |
| Loan Loss Allowance | 833 |
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Net Charge Offs | 6 |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Community Bank Leverage Ratio | Yes |
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Total loans | 78,347 |
| Total assets for the leverage ratio | 109,639 |
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Loans secured by real estate: | 68,258 |
| Tier 1 Leverage Ratio | 11.19 |
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Commercial and industrial loans | 6,603 |
| Off Balance Sheet Exposures (%) | 1.46 |
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Loans to individuals - Credit Cards | 0 |
| Trading Assets and Liabilities (%) | 0 |
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Loans to individuals - Other | 1,645 |
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:· Headwaters State Bank
