LAKE SHORE III CORP is the parent banking group. HEADWATERS STATE BANK is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the group level.

Bank Holding Company

LAKE SHORE III CORP

Legal name: LAKE SHORE III CORPORATION

1 active bank · 1 merged/absorbed · $120M combined assets

RSSD ID: 4465559 (FFIEC NIC)

Combined Assets

$120M

CRA Rating Summary

Satisfactory1charter

Across all 16 exams on record for this banking group's charters, 100% resulted in Outstanding or Satisfactory.

Primary bankHEADWATERS STATE BANKLAND O' LAKES, WISatisfactory$120MView profile →

At a Glance

Dominant CRA Rating

Satisfactory

1 of 1 bank · Meets expectations for community lending

Combined Assets

$120M

1 active bank

Financial Summary

FDIC Call Reports

Aggregated from the most recent call report filings for all active charters.

Total Deposits

$100M

Net Income

$267K

ROA (avg)

0.9%

asset-weighted avg

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Ownership	Current Rating	Exam Date
HEADWATERS STATE BANK	LAND O' LAKES, WI	FDIC	$120M	100.0%	Satisfactory	Jul 2021

CRA (Community Reinvestment Act) exams are conducted per charter, not per banking group. Asset figures are from the most recent FDIC call report.