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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Land O' Lakes, WI · FDIC certificate #9035
HEADWATERS STATE BANK is an FDIC-insured institution based in Land O' Lakes, WI (FDIC certificate #9035). In its Q3 2026 Call Report it reported total assets of $127M, total deposits of $108M and net loans of $79M. Its primary federal regulator is FDIC.
Reported facts
HEADWATERS STATE BANK (FDIC certificate #9035) reported the following headline financials for Q3 2026. Interactive quarterly history follows below.
| Total assets | $127M |
|---|---|
| Total deposits | $108M |
| Net loans and leases | $79M |
| Return on assets | 0.82% |
| Return on equity | 5.23% |
| Net interest margin | 3.34% |
| Quarterly asset change | 3.55% |
| Quarterly deposit change | 4.57% |
Plain-language readout
HEADWATERS STATE BANK in Land O' Lakes, WI reported total assets of $127M, total deposits of $108M and net loans of $79M in its Q3 2026 Call Report (as of 2026-09-30).
Profitability for Q3 2026: a return on assets of 0.82%, a return on equity of 5.23%, a net interest margin of 3.34%. Return on assets measures annualized net income against average assets, return on equity measures it against average equity, and net interest margin measures net interest income against average earning assets.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $127M | $108M | $79M | 0.82% | 5.23% | 3.34% |
| Q2 2026 | $122M | $103M | $80M | 0.84% | 5.27% | 3.33% |
| Q1 2026 | $120M | $100M | $79M | 0.90% | 5.60% | 3.35% |
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