Headwaters State Bank (FDIC certificate #9035) is based in Land O' Lakes, Wisconsin. Its Q2 2026 call report shows $122.5M in total assets and $102.9M in deposits and 2 offices.
Headwaters State Bank has a TellerScore of 47 out of 100 (below average) based on Q2 2026 data — higher than only 5% of its 2,650 banks with $100 million – $1 billion. Among 154 banks headquartered in Wisconsin, it ranks 147th. Funding & liquidity contributes the most (83/100, 77% loans-to-deposits, 4% uninsured); loan quality contributes the least (0/100, 6.35%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (46 → 47).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 44 |
| Q3 2024 | 46 |
| Q4 2024 | 43 |
| Q1 2025 | 46 |
| Q2 2025 | 46 |
| Q3 2025 | 47 |
| Q4 2025 | 47 |
| Q1 2026 | 47 |
| Q2 2026 | 47 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 12.41% |
| Q3 2024 | 12.35% |
| Q4 2024 | 11.05% |
| Q1 2025 | 10.90% |
| Q2 2025 | 11.14% |
| Q3 2025 | 11.10% |
| Q4 2025 | 11.19% |
| Q1 2026 | 11.08% |
| Q2 2026 | 11.21% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 7.53% |
| Q3 2024 | 7.24% |
| Q4 2024 | 6.71% |
| Q1 2025 | 6.71% |
| Q2 2025 | 6.48% |
| Q3 2025 | 6.33% |
| Q4 2025 | 6.19% |
| Q1 2026 | 6.33% |
| Q2 2026 | 6.35% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.33% |
| Q3 2024 | 0.56% |
| Q4 2024 | 0.59% |
| Q1 2025 | 0.92% |
| Q2 2025 | 0.84% |
| Q3 2025 | 0.88% |
| Q4 2025 | 0.87% |
| Q1 2026 | 0.90% |
| Q2 2026 | 0.84% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 47 | $122.5M | 11.21% | 6.35% | 0.84% | 77.5% |
| Q1 2026 | 47 | $119.6M | 11.08% | 6.33% | 0.90% | 79.1% |
| Q4 2025 | 47 | $117.4M | 11.19% | 6.19% | 0.87% | 79.7% |
| Q3 2025 | 47 | $116.7M | 11.10% | 6.33% | 0.88% | 78.2% |
| Q2 2025 | 46 | $112.5M | 11.14% | 6.48% | 0.84% | 81.3% |
| Q1 2025 | 46 | $111.3M | 10.90% | 6.71% | 0.92% | 79.2% |
| Q4 2024 | 43 | $110.3M | 11.05% | 6.71% | 0.59% | 80.1% |
| Q3 2024 | 46 | $100.0M | 12.35% | 7.24% | 0.56% | 85.3% |
| Q2 2024 | 44 | $92.4M | 12.41% | 7.53% | 0.33% | 89.7% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Wisconsin
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Union State BankBank West Salem, WI | 82 out of 100, Strong | $117.6M | 12.2% | 0.14% | vs |
| Conservation First BankBank Benton, WI | 82 out of 100, Strong | $127.5M | 14.0% | 0.74% | vs |
| KeySavings BankBank Wisconsin Rapids, WI | 68 out of 100, Moderate | $129.5M | 9.4% | 0.07% | vs |
| Richland County BankBank Richland Center, WI | 96 out of 100, Very strong | $114.1M | 17.8% | 0.00% | vs |
| Bonduel State BankBank Bonduel, WI | 89 out of 100, Very strong | $132.1M | 14.0% | 0.01% | vs |
| Security State BankBank Iron River, WI | 93 out of 100, Very strong | $136.2M | 21.4% | 0.37% | vs |
Deposit insurance
Is my money safe at Headwaters State Bank?
Yes. Headwaters State Bank is an FDIC-insured institution (FDIC certificate #9035). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 4.3% of deposits ($4.4M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 11.21%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
2 locations
Branches
Headwaters State Bank lists 2 offices in 2 cities. Most locations:
- Land O' Lakes, WI (1)
- Presque Isle, WI (1)
Identity & history
Profile
- Legal name
- Headwaters State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 9035
- RSSD ID
- 224954
- Primary regulator
- FDIC
- Holding company
- Lake Shore III Corp
- Established
- September 1, 1921
- Headquarters
- 4175 County Road B, Land O' Lakes, WI 54540
- Website
- www.headwatersstatebank.com
- Employees
- 15
Quick answers
Headwaters State Bank: common questions
Is Headwaters State Bank FDIC insured?
Yes. Headwaters State Bank is an FDIC-insured institution (FDIC certificate #9035). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Headwaters State Bank's TellerScore?
47 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Headwaters State Bank ever failed?
There is no failure record for FDIC certificate #9035 in the FDIC failed bank list.
How many branches does Headwaters State Bank have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Land O' Lakes
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Settlers Federal Credit UnionCredit union Bruce Crossing, MI | 92 out of 100, Very strong | $37.8M | 19.7% | 0.79% | vs |
| Nicolet National BankBank Green Bay, WI | 64 out of 100, Moderate | $15.4B | 9.6% | 0.63% | vs |
| Forward BankBank Marshfield, WI | 64 out of 100, Moderate | $1.3B | 9.2% | 0.28% | vs |
| Ripco Credit UnionCredit union Rhinelander, WI | 62 out of 100, Moderate | $188.8M | 10.0% | 0.90% | vs |
| BMO Bank National AssociationBank Chicago, IL | 58 out of 100, Moderate | $255.0B | 11.3% | 0.92% | vs |
| Associated Bank, National AssociationBank Green Bay, WI | 58 out of 100, Moderate | $51.8B | 8.4% | 0.42% | vs |