Total Assets
$117M
Total balance-sheet footings
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.
- $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.
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.
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 Deposits
$98M
Customer-funded liabilities
Net Loans
$78M
Outstanding loan book
Net Income
$993K
Bottom-line earnings
Capital adequacy vs federal thresholds
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'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.
Safety metrics
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
Profitability metrics
Return on Assets (ROA)
34th percentile nationally
0.87%
Return on Equity (ROE)
5.41%
Efficiency Ratio
59.82%
What the numbers say about Headwaters State Bank
Headwaters State Bank is an FDIC-insured institution (Certificate #9035) headquartered in Land O' Lakes, Wisconsin, established in 1921. It holds $117M in total assets - 3,600th of 4,313 FDIC-insured banks, $98M in customer deposits, and $78M in net loans. Looking at capital strength, Tier 1 stands at 11.19%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 24.58%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of C (64/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
By assets, Headwaters State Bank ranks 140th of 155 banks based in Wisconsin -- squarely in the community-bank tier. Size alone doesn't determine a bank's local importance; a bank this size often has deeper, longer-standing relationships with the specific businesses and depositors it serves than a much larger institution would.
Income & expense breakdown
$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.
Top banks in Wisconsin by total assets
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.
Other banks in Wisconsin
All Wisconsin banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is Headwaters State Bank's health grade?▼
Headwaters State Bank receives a health grade of C (64/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is Headwaters State Bank?▼
Headwaters State Bank holds $117M in total assets and $98M in deposits, ranking 3,600th of 4,313 FDIC-insured banks by asset size. It is headquartered in Land O' Lakes, Wisconsin.
Is my money safe at Headwaters State Bank?▼
Yes, deposits at Headwaters State Bank (Certificate #9035) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Headwaters State Bank's Tier 1 Capital Ratio?▼
Headwaters State Bank has a Tier 1 Capital Ratio of 11.19%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Headwaters State Bank?▼
Headwaters State Bank has a Texas Ratio of 24.58%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Headwaters State Bank?▼
Headwaters State Bank has an Efficiency Ratio of 59.82%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Headwaters State Bank's profile as a depositor or analyst.
- Headwaters State Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Headwaters State Bank against other Wisconsin banks before moving funds. Wisconsin banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.