C
Headwaters State Bank
Rating Date
April 2025
Risk Based
Capital Ratio
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Leverage
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Major Rating Factors: A current level of 10.7 percent of nonperforming loans to core capital combined with 7.1 percent from a year earlier contributes to the Fair asset quality (3.6). Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.6 has resulted in Weak (1.2) profitability.
Other Rating Factors: Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 11.1. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.0 on a scale of 0 to 10).
Asset Mix: Comm re (30%), home mtgs (25%), cash (16%), securities (9%), comm loans (5%), consumer loans (2%), other (13%)
States with Branches: WI
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Liquidity
Liquidity Ratio
Hot Money
Corporate Info
Group Affiliation
Lake Shore III Corporation
Investment Rating
--
Address
4175 County Road B
Land O'Lakes, WI 54540
Phone Number
(715) 547-3383
Year Founded
1921
FDIC Number
Largest Affiliates
No affiliate information available.