BlastPoint's Banking Scorecard
Headwaters State Bank
Land O' Lakes, WI
2 branches across WI
Headwaters State Bank has 1 strength but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 6.98% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 5.51% above tier average
- - Nonperforming Asset Ratio 3.61% above tier average
- - Non-Interest Income / Assets 0.25% below tier average
- - ROA 0.37% below tier average
- - Net Interest Margin 0.59% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$119.6M
+7.4% YoY
+1.9% QoQ
|
-$266.5M |
$386.1M
+0.5% YoY
|
$1.1B
+10.1% YoY
|
$6.2B
+9.1% YoY
|
Bottom 5.6% in tier |
| Total Loans ? |
$79.4M
+7.6% YoY
+1.6% QoQ
|
-$176.3M |
$255.7M
+1.1% YoY
|
$816.7M
+9.9% YoY
|
$3.2B
+10.8% YoY
|
Bottom 11.0% in tier |
| Total Deposits ? |
$100.4M
+7.8% YoY
+2.3% QoQ
|
-$227.6M |
$328.0M
+0.1% YoY
|
$905.4M
+9.0% YoY
|
$4.8B
+8.2% YoY
|
Bottom 5.8% in tier |
| Return on Assets ? |
0.90%
-1.7% YoY
+3.1% QoQ
|
-0.37% |
1.27%
+12.9% YoY
|
1.50%
+15.4% YoY
|
1.23%
+13.4% YoY
|
32% |
| Net Interest Margin ? |
3.34%
+0.2% YoY
-1.3% QoQ
|
-0.59% |
3.93%
+6.0% YoY
|
3.77%
+9.2% YoY
|
3.89%
+5.7% YoY
|
24% |
| Efficiency Ratio ? |
58.31%
+3.3% YoY
-2.5% QoQ
|
-6.98% |
65.29%
-4.5% YoY
|
64.74%
-4.5% YoY
|
66.95%
-4.1% YoY
|
65% |
| Delinquency Rate ? |
6.40%
-5.6% YoY
+2.3% QoQ
|
+5.51% |
0.89%
+18.8% YoY
|
0.87%
+31.3% YoY
|
0.95%
+18.8% YoY
|
Bottom 1.1% in tier |
| Loan-to-Deposit Ratio ? |
79.15%
-0.1% YoY
-0.7% QoQ
|
+2.51% |
76.64%
+0.8% YoY
|
86.53%
+1.6% YoY
|
76.70%
+0.9% YoY
|
48% |
| Non-Interest-Bearing Deposit Share ? |
15.84%
-2.5% YoY
-2.6% QoQ
|
-6.18% |
22.02%
-1.0% YoY
|
18.27%
-0.8% YoY
|
22.01%
-1.2% YoY
|
27% |
| Nonperforming Asset Ratio ? |
4.25%
-5.4% YoY
+2.1% QoQ
|
+3.61% |
0.64%
+19.7% YoY
|
0.63%
+35.0% YoY
|
0.67%
+19.3% YoY
|
Bottom 1.2% in tier |
| Tier 1 Capital Ratio ? |
11.08%
+1.6% YoY
-1.0% QoQ
|
-4.75% |
15.83%
+1.5% YoY
|
14.74%
+0.5% YoY
|
17.06%
+0.8% YoY
|
24% |
| Non-Interest Income / Assets ? |
0.03%
+68.4% YoY
-76.7% QoQ
|
-0.25% |
0.28%
+9.3% YoY
|
1.15%
+12.5% YoY
|
0.32%
+4.1% YoY
|
Bottom 8.9% in tier |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
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Metric Rankings
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