BlastPoint's Banking Scorecard
Headwaters State Bank
Micro
Specialty: Commercial
WI
FDIC cert 9035
Designations: ✓ Community bank
Land O' Lakes, WI
2498
banks in Micro tier nationally
88 in WI
View Micro leaderboard (WI) →
Headwaters State Bank faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Delinquency Rate 5.61% above tier
- - Nonperforming Asset Ratio 3.71% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$117.4M
+6.5% YoY
+0.6% QoQ
|
-$100.1M |
$217.5M
+2.3% YoY
|
$1.1B
+5.1% YoY
|
$5.9B
+6.5% YoY
|
28% |
| Total Loans ? |
$78.2M
+5.5% YoY
+2.0% QoQ
|
-$61.0M |
$139.2M
+2.8% YoY
|
$768.8M
+4.7% YoY
|
$3.1B
+8.5% YoY
|
33% |
| Total Deposits ? |
$98.1M
+6.1% YoY
+0.1% QoQ
|
-$85.6M |
$183.7M
+1.8% YoY
|
$858.9M
+4.5% YoY
|
$4.7B
+6.3% YoY
|
28% |
| Return on Assets ? |
0.87%
+47.3% YoY
-0.3% QoQ
|
-0.21% |
1.08%
+14.7% YoY
|
1.12%
+22.4% YoY
|
1.12%
+15.6% YoY
|
38% |
| Net Interest Margin ? |
3.39%
-5.7% YoY
-0.3% QoQ
|
-0.46% |
3.85%
+6.6% YoY
|
3.60%
+10.9% YoY
|
3.75%
+7.1% YoY
|
29% |
| Efficiency Ratio ? |
59.82%
-2.0% YoY
-0.0% QoQ
|
-7.90% |
67.73%
-4.8% YoY
|
64.76%
-6.6% YoY
|
65.09%
-5.1% YoY
|
68% |
| Delinquency Rate ? |
6.25%
-7.8% YoY
-2.3% QoQ
|
+5.61% |
0.64%
+24.4% YoY
|
0.52%
+44.6% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
79.69%
-0.5% YoY
+1.9% QoQ
|
+5.17% |
74.53%
+0.5% YoY
|
85.80%
+1.3% YoY
|
78.04%
+0.7% YoY
|
57% |
| Non-Interest-Bearing Deposit Share ? |
16.27%
+1.6% YoY
-7.7% QoQ
|
-6.13% |
22.39%
-1.3% YoY
|
18.83%
-1.2% YoY
|
21.79%
-1.3% YoY
|
27% |
| Nonperforming Asset Ratio ? |
4.16%
-8.6% YoY
-1.0% QoQ
|
+3.71% |
0.45%
+25.1% YoY
|
0.37%
+20.8% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
8.70%
-2.9% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.14%
-6.1% YoY
+37.1% QoQ
|
-0.43% |
0.56%
+0.3% YoY
|
0.58%
+3.9% YoY
|
0.65%
+0.6% YoY
|
Bottom 13% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Delinquency Rate
metric
Bottom 1%
in Micro
Why this stands out
Current:
6.25%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
4.16%
(Tier avg: 0.45%, National avg: 0.48%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
68
68th pctile
Efficiency Ratio
Current: 59.82% · Tier avg: 67.73%
57
57th pctile
Loan-to-Deposit Ratio
Current: 79.69% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
38
38th pctile
Return on Assets
Current: 0.87% · Tier avg: 1.08%
33
33th pctile
Total Loans
Current: $78.2M · Tier avg: $139.2M
29
29th pctile
Net Interest Margin
Current: 3.39% · Tier avg: 3.85%
28
28th pctile
Total Assets
Current: $117.4M · Tier avg: $217.5M
28
28th pctile
Total Deposits
Current: $98.1M · Tier avg: $183.7M
27
27th pctile
Non-Interest-Bearing Deposit Share
Current: 16.27% · Tier avg: 22.39%
13
13th pctile
Non-Interest Income / Assets
Current: 0.14% · Tier avg: 0.56%
0
0th pctile
Delinquency Rate
Current: 6.25% · Tier avg: 0.64%
0
0th pctile
Nonperforming Asset Ratio
Current: 4.16% · Tier avg: 0.45%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 4.16% · Tier avg: 0.45%
0
0th pctile
Delinquency Rate
Current: 6.25% · Tier avg: 0.64%
13
13th pctile
Non-Interest Income / Assets
Current: 0.14% · Tier avg: 0.56%
27
27th pctile
Non-Interest-Bearing Deposit Share
Current: 16.27% · Tier avg: 22.39%
28
28th pctile
Total Deposits
Current: $98.1M · Tier avg: $183.7M
28
28th pctile
Total Assets
Current: $117.4M · Tier avg: $217.5M
29
29th pctile
Net Interest Margin
Current: 3.39% · Tier avg: 3.85%
33
33th pctile
Total Loans
Current: $78.2M · Tier avg: $139.2M
38
38th pctile
Return on Assets
Current: 0.87% · Tier avg: 1.08%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
57
57th pctile
Loan-to-Deposit Ratio
Current: 79.69% · Tier avg: 74.53%
68
68th pctile
Efficiency Ratio
Current: 59.82% · Tier avg: 67.73%