Waumandee State Bank
Waumandee, WI · Cert 10384 · Peer group: banks under $1B in assets in WI (n=109-112) · Waumandee Bancshares Ltd.
State charter, non-member · FDIC · 8 branches
Q2 2026
$345.5MAssets
$253.6MLoans
$301.2MDeposits
$38.3MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 85% of banks under $1B in assets in WI (rank 17 of 112).
- Widest gap: net charge-offs / loans trails 72% of banks under $1B in assets in WI (rank 79 of 109).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.17%
Rank 56 of 112
Net Interest Margin
4.04%
Rank 17 of 112
Efficiency Ratio
62.73%
Rank 57 of 112
Equity / Assets
11.09%
Rank 48 of 112
Non-interest income vs. expense
Unfavorable gap of $8.1M · efficiency ratio beats 50% of banks under $1B in assets in WI | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.17% | 0.85% | 1.17% | 1.51% | Beats 50% | 56 / 112 | |
| Return on Equity | 10.55% | 7.87% | 10.91% | 13.85% | Beats 46% | 61 / 112 | |
| Net Interest Margin | 4.04% | 3.19% | 3.59% | 3.89% | Beats 85% | 17 / 112 | |
| Efficiency Ratio | 62.73% | 54.87% | 62.73% | 72.61% | Beats 50% | 57 / 112 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.60% | 0.03% | 0.22% | 0.91% | Beats 31% | 76 / 109 | |
| Net Charge-Offs / Loans | 0.01% | n/a | 0.00% | 0.01% | Beats 28% | 79 / 109 | |
| Capital |
| Tier 1 Capital Ratio | 13.75% | 11.22% | 12.95% | 15.76% | Beats 61% | 44 / 112 | |
| Total Risk-Based Capital Ratio | 15.00% | 11.57% | 13.59% | 16.73% | Beats 65% | 39 / 112 | |
| Equity / Assets | 11.09% | 9.17% | 10.74% | 13.13% | Beats 57% | 48 / 112 | |
| Liquidity & Funding |
| Loans / Deposits | 84.21% | 75.89% | 86.36% | 98.49% | 44th pctl | 62 / 111 | |
| Loans / Assets | 73.41% | 64.03% | 71.52% | 78.98% | 55th pctl | 50 / 112 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |