Headwaters State Bank is a bank based in Land O' Lakes, Wisconsin, established in 1921, with $120 million in total assets across 2 branches. By Trust Grade it ranks 85th of 154 banks we track in Wisconsin. Its capital ratio of 15.9% is stronger than 92% of similarly sized banks, versus a Wisconsin median of 10.4%. It was profitable over the most recent period, with a 0.90% return on assets. No consumer complaints against Headwaters State Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Headwaters State Bank compares to Wisconsin peers
How we graded Headwaters State Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (15.9% capital ratio)
- Profitable (ROA 0.90%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Headwaters State Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (2)
- 8319 Main St, Presque Isle, WI 54557
- 4175 County Road B, Land O' Lakes, WI 54540
Are deposits at Headwaters State Bank insured?
Yes. Headwaters State Bank is an FDIC-insured bank (FDIC certificate #9035). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Headwaters State Bank: frequently asked questions
Is Headwaters State Bank a good bank?
Headwaters State Bank earns a Bankzia Trust Grade of A (97/100, "Excellent"), based on a financial-strength score of 97/100 (it has no CFPB complaints on record). Strongly capitalized (15.9% capital ratio); Profitable (ROA 0.90%).
Is Headwaters State Bank FDIC-insured?
Yes. Headwaters State Bank is a FDIC-insured bank (FDIC certificate #9035). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Headwaters State Bank?
Headwaters State Bank holds $120 million in total assets, ranking 85th of 154 banks we track in Wisconsin. It operates 2 branches.
Does Headwaters State Bank have CFPB complaints?
No CFPB complaints against Headwaters State Bank appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
