Headwaters State Bank

Headwaters State Bank is a currently active commercial lending specialization banking institution headquartered in Land O' Lakes, Wisconsin. Established in 09/01/1921, this institution operates under regulatory supervision and is fully insured by the FDIC.

As a financial institution, Headwaters State Bank manages $119.6M in total assets and holds $100.4M in customer deposits. When evaluating the stability of Headwaters State Bank, one of the most critical metrics is its Capital Cushion (Equity-to-Assets Ratio). At 15.93%, this indicates how much financial loss the bank can absorb before depositors' funds are placed at risk. A strong equity cushion is a key indicator of a bank's ability to weather economic downturns.

In terms of operational efficiency, the bank's Return on Assets (ROA) is 0.90%, while its Return on Equity (ROE) sits at 5.60%. These robust metrics contribute to an overall health score of 8.4 out of 10, signaling a well-capitalized and efficiently managed operation that effectively balances risk and shareholder return.