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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
Deterministic ratios for HEADWATERS STATE BANK from its Q3 2026 Call Report. Detailed loan and deposit composition follows below.
| Total deposits | $108M |
|---|---|
| Net loans and leases | $79M |
Plain-language readout
HEADWATERS STATE BANK in Land O' Lakes, WI funds its loans with $108M of deposits and holds $79M of net loans, as reported for Q3 2026. The ratios below show how that funding, capital and credit quality compare with the amounts on the balance sheet.
No capital, liquidity or asset-quality ratios are reported for HEADWATERS STATE BANK in Q3 2026; none is estimated.
The loan-to-deposit ratio computed from net loans and total deposits was 73.67% in Q3 2026, against 79.15% in Q1 2026. A rising ratio means the bank is lending a larger share of its deposits.
| Quarter | Net loans | Deposits | Loan-to-deposit |
|---|---|---|---|
| Q3 2026 | $79M | $108M | 73.67% |
| Q2 2026 | $80M | $103M | 77.49% |
| Q1 2026 | $79M | $100M | 79.15% |