Compared with Wisconsin
4 of 16
compared fees are above the median.
6 below, 6 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
40th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Wisconsin median
of 16 compared; 6 below, 6 about the same
See the feesFee schedule read Oct 16, 2026
Call-report figures are for Headwaters State Bank at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 1,681 banks with under $300M in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the Wisconsin median | Published fees above the Wisconsin median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Headwaters State Bank's published fee schedule; Bank Fee Index medians | Current schedule | Oct 16, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 1.7% of revenue, below the 2.1% median of 1,681 banks with under $300M in assets (40th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $16K in Q2 2026, about level with the same quarter a year earlier ($16K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
4 of 16 compared published fees sit above the Wisconsin median; 6 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Wisconsin medians for fees published by banks and credit unions.
Debit Card Replacement
Wire Transfer (Domestic Out)
Stop Payment
Each amount links to the fee schedule it was read from. Medians for Wisconsin, the Minneapolis district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income rose 6.7% from Q3 2025 to Q2 2026, to $16K. Its share of revenue, 1.7%, is below the 2.1% median for banks with under $300M in assets.
$16K
Headwaters State BankMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 1,681 banks with under $300M in assets, Q2 2026.
Headwaters State Bank · $122M in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 13 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Headwaters State Bank(this institution) | Land O' Lakes, WI | $122M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Bank of New Madrid | New Madrid, MO | $117M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bison State Bank | Bison, KS | $126M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Chester National Bank | Chester, IL | $126M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Citizens Bank of Rogersville | Rogersville, MO | $125M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Community Bank | Bristow, OK | $119M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Community Savings Bank | Bethel, OH | $120M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Connect Bank | Star City, AR | $124M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Conservation First Bank | Benton, WI | $127M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Countryside Bank | Unadilla, NE | $119M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Dalhart Federal Savings & Loan Association, SSB | Dalhart, TX | $126M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Farmers & Merchants Bank of North Dakota | Tolna, ND | $120M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First State Bank of Bigfork | Bigfork, MN | $117M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Flora Bank & Trust | Flora, IL | $126M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| FNB Coweta | Coweta, OK | $128M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Henderson Federal Savings Bank | Henderson, TX | $118M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Logan County Bank | Scranton, AR | $121M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Metz Banking Company | Nevada, MO | $117M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Mid-Central National Bank | Wadena, MN | $117M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Progressive National Bank | Mansfield, LA | $123M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| The Granville National Bank | Granville, IL | $118M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Hamilton Bank | Hamilton, MO | $120M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| The Stockgrowers State Bank | Maple Hill, KS | $128M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Twin Cedars Bank | Bussey, IA | $118M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| United Bank & Trust Co. | Marshalltown, IA | $120M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Woodsfield Savings Bank | Woodsfield, OH | $123M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 11 publish this fee(monthly maintenance)
14 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $6.50 among 11 publishing peers.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026.
Monthly maintenance fee in dollars, one mark per institution
Headwaters State Bank does not publish a monthly maintenance fee, so it is not on this chart.
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026. Total assets from FDIC and NCUA records.
Call reports for Headwaters State Bank (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $16K | $0 | 0.0% |
| Q1 2026 | $16K | −$3K | −15.8% |
| Q4 2025 | $19K | +$4K | +26.7% |
| Q3 2025 | $15K | −$1K | −6.3% |
| Q2 2025 | $16K | $0 | 0.0% |
| Q1 2025 | $16K | +$3K | +23.1% |
| Q4 2024 | $13K | −$2K | −13.3% |
| Q3 2024 | $15K | $0 | 0.0% |
Financial cohort: 1,760 banks with under $300M in assets filing for Q2 2026; 1,681 reported a share above 0% and are counted, Headwaters State Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Headwaters State Bank by share.
Amounts from Headwaters State Bank’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per page
per transaction
per item
per month
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Early Account Close Fee (within 90 days) | $15Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Account Research: minimum | $20Inside the U.S. middle 50% ($6 to $25 nationally) | Not stated | None |
Overdraft & NSF | |||
| Overdraft Transfer Fee | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
ATM & Card | |||
| Debit Card Replacement | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Wire Transfers - Out: Domestic | $25Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfers - Out: Foreign | $50Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Cashiers Check | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Order | $2Inside the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Stop Payment/Indemnification | $25Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Temporary Checks (4 checks per page) | $1Not compared: Charged per page; comparison unavailable | per page | None |
| Check cashing fee for savings accounts | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per transaction | None |
Digital & Electronic | |||
| Bill Pay Charitable Contribution service charge | $1.99Inside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
| Bill Pay Gift Card/Check service charge | $2.99Not compared: Per-item charge, not monthly | per item | None |
| Bill Pay Monthly inactivity service charge (if not used once in three months) | $5Inside the U.S. middle 50% ($0 to $6 nationally) | per month | None |
| Bill Pay Next Day Check Rush Payment | $34.95Above the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
| Bill Pay Second Day Check Rush Payment | $29.95Above the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
| Bill Pay Second Day Electronic Rush Payment | $6.95Not compared: Per-occurrence charge, not monthly | per item | None |
Account Services | |||
| Notary Service: Customer (audience not stated, treated as personal) | No chargeInside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Lock Drilling Fee | $400Not compared: Box drilling or key fee | Not stated | None |
| Lost Key (1) | $15Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box 10 x 10 | $80Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 10 x 10 (audience not stated, treated as personal) | $80Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 2 x 5 | $20Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 2 x 5 (audience not stated, treated as personal) | $20Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 3 x 10 | $40Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 3 x 10 (audience not stated, treated as personal) | $40Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5 x 10 | $50Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5 x 10 (audience not stated, treated as personal) | $50Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5 x 5 | $25Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5 x 5 (audience not stated, treated as personal) | $25Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 6" x 11" (audience not stated, treated as personal) | $5Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Garnishments, Levies, Legal Attachment | $50Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Retirement & IRA | |||
| Full IRA Closing Fee | $50Above the U.S. middle 50% ($25 to $35 nationally) | Not stated | None |
Other Fees | |||
| Copies of tax reporting documents 1098, 1099, 1099-SA, 1099R, 5498 & 5498-SA FMV (Fair Market Value) | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Duplicate Statement | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Fax Incoming or Outgoing Non-Customer -Per Page | $1Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
vs. the U.S. middle 50%:BelowInsideAbove
per page
per item
per month
per item
per month
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Early Account Close Fee (within 90 days) | $15Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Account Research: minimum | $20Inside the U.S. middle 50% ($6 to $25 nationally) | Not stated | None |
Overdraft & NSF | |||
| Overdraft Transfer Fee | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
ATM & Card | |||
| Debit Card Replacement | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Wire Transfers - Out: Domestic | $25Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfers - Out: Foreign | $50Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Cashiers Check | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Order | $2Inside the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Stop Payment/Indemnification | $25Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Temporary Checks (4 checks per page) | $1Not compared: Charged per page; comparison unavailable | per page | None |
Digital & Electronic | |||
| Bill Pay Charitable Contribution service charge | $1.99Inside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
| Bill Pay Gift Card/Check service charge | $2.99Not compared: Per-item charge, not monthly | per item | None |
| Bill Pay Monthly inactivity service charge (if not used once in three months) | $5Inside the U.S. middle 50% ($0 to $6 nationally) | per month | None |
| Bill Pay Next Day Check Rush Payment | $34.95Above the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
| Bill Pay Second Day Check Rush Payment | $29.95Above the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
| Bill Pay Second Day Electronic Rush Payment | $6.95Not compared: Per-occurrence charge, not monthly | per item | None |
| Total Business BillPay-e™ (Can initiate payments, pay employees and invoice customers) | $15 | per month | None |
Account Services | |||
| Lock Drilling Fee | $400Not compared: Box drilling or key fee | Not stated | None |
| Lost Key (1) | $15Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box 10 x 10 | $80Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 2 x 5 | $20Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 3 x 10 | $40Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5 x 10 | $50Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5 x 5 | $25Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Garnishments, Levies, Legal Attachment | $50Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Retirement & IRA | |||
| Full IRA Closing Fee | $50Above the U.S. middle 50% ($25 to $35 nationally) | Not stated | None |
Other Fees | |||
| Copies of tax reporting documents 1098, 1099, 1099-SA, 1099R, 5498 & 5498-SA FMV (Fair Market Value) | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Duplicate Statement | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Fax Incoming or Outgoing Non-Customer -Per Page | $1Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Oct 16, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where Headwaters State Bank operates, and what regulators and customers have on file.
Branch footprint
2 offices in 1 state, $102.9M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| Outside a metro area | 2 | $102.9M |
Largest competitors nearby
Local market: Vilas county, WI, where it holds the most deposits.
| 10 in its local market | Deposit share |
|---|---|
| Nicolet National Bank | 19.8% |
| BMO Bank National Association | 18% |
| Associated Bank, National Association | 14.2% |
| IncredibleBank | 9.8% |
| Chippewa Valley Bank | 9.2% |
This bank holds 11.8% of the deposits there.
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
Enforcement actions
None on file with the Federal Reserve
The Federal Reserve has no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the Federal Reserve, read November 1, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Fee change alerts
We check once a day and send one email covering every change.