Headwaters State Bank quarterly financials
As reported to the FDIC. Dollar values are period-end balances. Net income is for the single quarter, derived from the FDIC's year-to-date figures by subtracting the prior quarter's report. Ratios (ROA, ROE, NIM) are FDIC-computed annualized year-to-date values.
| Quarter | Assets | Deposits | Net loans | Equity | Net income | ROA | ROE | NIM | Noncurrent |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $120M | $100M | $79M | $19M | $267K | 0.90% | 5.60% | 3.34% | 6.33% |
| Q4 2025 | $117M | $98M | $78M | $19M | $252K | 0.87% | 5.41% | 3.39% | 6.19% |
| Q3 2025 | $117M | $98M | $77M | $19M | $274K | 0.88% | 5.43% | 3.40% | 6.33% |
| Q2 2025 | $113M | $94M | $76M | $18M | $213K | 0.84% | 5.18% | 3.38% | 6.48% |
| Q1 2025 | $111M | $93M | $74M | $18M | $254K | 0.92% | 5.69% | 3.34% | 6.71% |
| Q4 2024 | $110M | $92M | $74M | $18M | $185K | 0.59% | 3.36% | 3.59% | 6.71% |
| Q3 2024 | $100M | $82M | $70M | $18M | $245K | 0.56% | 3.07% | 3.70% | 7.24% |
| Q2 2024 | $92M | $75M | $67M | $17M | $182K | 0.33% | 1.78% | 3.76% | 7.53% |
| Q1 2024 | $93M | $76M | $65M | $17M | $-29K | -0.12% | -0.68% | 3.73% | 7.56% |
| Q4 2023 | $95M | $78M | $66M | $17M | $126K | 0.87% | 4.92% | 4.31% | 7.48% |
| Q3 2023 | $96M | $79M | $65M | $17M | $293K | 0.98% | 5.59% | 4.55% | 0.07% |
| Q2 2023 | $95M | $78M | $65M | $17M | $190K | 0.86% | 4.85% | 4.56% | 0.07% |
Transcribed from FDIC BankFind Suite quarterly financial data (Call Report-derived). Income in Call Reports is filed year-to-date; per-quarter net income shown here is the difference between consecutive reports within the same year. NIM = net interest margin; “Noncurrent” = noncurrent loans as a share of total loans. These figures describe reported financials only and are not a safety rating or a prediction about the institution.