FDIC Cert #9035 · Land O' Lakes, Wisconsin · Est. 1921

Headwaters State Bank - FDIC Bank Health Profile

A community-scale look at Headwaters State Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$117M
Total assets
C
Health grade · Fair
0.87%
Return on assets
11.2%
Tier 1 capital

Data updated July 2026

The verdict

Headwaters State Bank earns a PlainBankData health grade of C (64/100), with well-capitalized at 11.19% Tier 1, 0.87% ROA, efficient (60% cost ratio).

#3,600
largest of 4,313 FDIC banks by assets
16th
percentile by asset size, nationally
11.19%
Tier 1 ratio - above the 10% well-capitalized line
34th
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 9035 · WI C · 64/100

GRADE-C · LOWER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-HEALTHY · ROA-PAR · SIZE-MID · BOOK-FULL

  • GRADE-C C (64/100)
  • LOWER-Q #3547/4307
  • PHOTO-FINISH Currie State Bank · MN
  • TIER1-WELL 11.2% Tier 1
  • TEXAS-HEALTHY 24.6% Texas
  • ROA-PAR 0.87% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Wisconsin: Currie State Bank, MN (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Headwaters State Bank

Lowest and highest poles plus nearest scored peers outside Wisconsin, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Bank of Holly Springs · MS ·…64/100Currie State Bank · MN · near64/100First State Bank in… · OK · …64/100Headwaters State Bank · WI ·…64/100Peoples State Bank o… · TX ·…64/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Headwaters State Bank · July 2026

Call Report read for Headwaters State Bank in a high-failure state

Headwaters State Bank (FDIC Cert #9035) carries a PlainBankData health grade of C at 64/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #3,547 of 4,307. Tier 1 capital prints at 11.19%, clearing the 10% well-capitalized line. The Texas Ratio is 24.58%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.87%. Balance-sheet scale is $117M, 3,600th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Currie State Bank (MN), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Headwaters State Bank

11 FAILURE resolutions in Wisconsin since 2000, heavy vs the state corpus

Headwaters State Bank sits in one of the heavier post-2000 FAILURE states (11 resolutions; latest year 2017). The list below is state history from the Failed Bank List, not a claim about Headwaters State Bank's current Call Report.

  • GUARANTY BANK MILWAUKEE, WI 2017 → FIRST-CITIZENS BANK & TRUST COMPANY
  • NORTH MILWAUKEE STATE BANK MILWAUKEE, WI 2016 → FIRST-CITIZENS BANK & TRUST COMPANY
  • BANK OF WAUSAU WAUSAU, WI 2013 → NICOLET NATIONAL BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Wisconsin banks.

How Headwaters State Bank's 64/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10064/100
Headwaters State Bank's composite health score
Tier 1 Capital Ratio (11.19%) 28/40
Return on Assets (ROA) (0.87%) 14/25
Texas Ratio (24.58%) 10/20
Efficiency Ratio (59.82%) 12/15

64 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$117M

Total balance-sheet footings

Total Deposits

$98M

Customer-funded liabilities

Net Loans

$78M

Outstanding loan book

Net Income

$993K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 9.79% 11.19% 12.59%
Basel III capital ratios - Headwaters State Bank

Where Headwaters State Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Headwaters State Bank's score of 64/100 falls in the highlighted band.

Headwaters State Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

64 18th percentile higher than 18% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). This entry sits in this band. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Headwaters State Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Headwaters State Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Headwaters State Bank's $117M falls in the highlighted band.

Capital & credit buffers at Headwaters State Bank

Tier 1 capital ratio
Well-capitalized 10%

11.19% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
11.19%
Texas Ratio
24.58%
Equity Capital
$19M

What these ratios mean →

Profitability metrics: Headwaters State Bank

Return on Assets (ROA)
34th percentile nationally
0.87%
Return on Equity (ROE)
5.41%
Efficiency Ratio
59.82%

What these mean →

Income & expense at Headwaters State Bank

$6M
Interest Income
$160K
Non-Interest Income
$2M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Headwaters State Bank reports a Texas Ratio of 24.58% - within the generally healthy range below the 50% level analysts watch.

Texas Ratio
Caution 50%

24.58% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Headwaters State Bank on FDIC BankFind →

Top banks in Wisconsin by total assets

Largest banks headquartered in Wisconsin
  1. 1
    Associated Bank $45.1B

    Green Bay, WI · Grade A

  2. 2
    Nicolet National Bank $9.2B

    Green Bay, WI · Grade A

  3. 3
    Johnson Bank $7.2B

    Racine, WI · Grade A

  4. 4
    Town Bank $4.5B

    Hartland, WI · Grade A

  5. 5
    Bank First $4.5B

    Manitowoc, WI · Grade A

Top 5 banks in Wisconsin ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($117M here), outside Wisconsin so the neighborhood is not state containment.

Turtle Mountain State Bank $117M · ND Heritage Bank Minnesota $118M · MN TPNB Bank $118M · MO Carver State Bank $117M · GA

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Headwaters State Bank (FDIC Cert #9035) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Headwaters State Bank Call Report profile · FDIC Failed Bank List · Wisconsin FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Wisconsin

All Wisconsin banks →
BankAssetsGradeROA
Associated Bank, National AssociationGreen Bay $45.1B A 1.10%
Nicolet National BankGreen Bay $9.2B A 1.66%
Johnson BankRacine $7.2B A 1.07%
Town Bank, National AssociationHartland $4.5B A 1.27%
Bank First, N.A.Manitowoc $4.5B A 1.64%
First Business BankMadison $4.1B B 1.36%
John Deere Financial, f.s.b.Middleton $3.4B A 3.87%
Lake Ridge BankMiddleton $3.3B B 0.98%