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Headwaters State Bank
✓ FDIC-insured · Active FDIC Certificate #9035
Headwaters State Bank is an FDIC-insured state-chartered bank that is not a Federal Reserve member (supervised by the FDIC), headquartered in Land O' Lakes, Wisconsin, established in 1921. As of the 06/30/2026 FDIC call report, it reported $122M in total assets and $103M in deposits. FDIC location data lists 2 offices in Wisconsin. The FDIC classifies it as a community bank. It is owned by the holding company LAKE SHORE III CORP (Glenwood City, WI).
Financial data as of the 06/30/2026 FDIC call report.
Where it operates
All 2 of Headwaters State Bank's FDIC-listed offices are in Wisconsin. Browse banks in Land O' Lakes for other local options.
Branch locations
| Headwaters State Bank Presque Isle Branch · Full Service - Brick And Mortar | 8319 Main St Presque Isle, WI 54557 Map ↗ |
| Headwaters State Bank Headwaters State Bank · Full Service - Brick And Mortar | 4175 County Road B Land O' Lakes, WI 54540 Map ↗ |
Holding company: LAKE SHORE III CORP
The FDIC lists LAKE SHORE III CORP, based in Glenwood City, WI, as the top holding company for Headwaters State Bank. It also owns one other FDIC-insured bank:
- Hiawatha National Bank, Hager City, WI ($781M in assets)
FDIC deposit insurance applies separately to each insured bank charter, even when they share a holding company. Confirm the charter before you spread deposits.
Similar-size banks in Wisconsin
Active FDIC-insured banks headquartered in Wisconsin with total assets closest to Headwaters State Bank's $122M. See all banks in Wisconsin.
| Bank | HQ city | Assets | Offices |
|---|---|---|---|
| Bluff View Bank | Galesville | $153M | 3 |
| The Pineries Bank | Stevens Point | $149M | 1 |
| Bank of Cashton | Cashton | $146M | 1 |
| River Falls State Bank | River Falls | $143M | 1 |
| Security State Bank | Iron River | $136M | 3 |
| Bonduel State Bank | Bonduel | $132M | 1 |
| KeySavings Bank | Wisconsin Rapids | $129M | 2 |
| Conservation First Bank | Benton | $127M | 3 |
Headwaters State Bank: common questions
Is Headwaters State Bank FDIC-insured?
Yes. Headwaters State Bank is an active FDIC-insured institution, FDIC Certificate #9035. Deposits are insured up to $250,000 per depositor, per ownership category. You can confirm this on FDIC BankFind.
Where is Headwaters State Bank headquartered?
Headwaters State Bank is headquartered at 4175 County Road B, Land O' Lakes, WI 54540, according to FDIC records.
How many branches does Headwaters State Bank have?
FDIC location data lists 2 offices for Headwaters State Bank, all in Wisconsin.
Who owns Headwaters State Bank?
The FDIC lists LAKE SHORE III CORP of Glenwood City, WI as the top holding company for Headwaters State Bank. The same holding company owns 1 other FDIC-insured bank.
Source: FDIC BankFind Suite (institution, location, and call report data). BankNearMe.com does not rank or rate banks.