Farmers State Bank of Waupaca, The
Waupaca, WI · Cert 13033 · Peer group: banks under $1B in assets in WI (n=110-113) · Farmers State Bcorp Inc.
State charter, Fed member · FED · 3 branches
Q2 2026
$279.5MAssets
$173.0MLoans
$244.1MDeposits
$30.1MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in WI (rank 16 of 110).
- Widest gap: total risk-based capital ratio trails 75% of banks under $1B in assets in WI (rank 85 of 113).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.50%
Rank 30 of 113
Net Interest Margin
3.85%
Rank 37 of 113
Efficiency Ratio
59.93%
Rank 49 of 113
Equity / Assets
10.76%
Rank 56 of 113
Non-interest income vs. expense
Unfavorable gap of $5.9M · efficiency ratio beats 58% 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 | 1.50% | 0.85% | 1.17% | 1.51% | Beats 73% | 30 / 113 | |
| Return on Equity | 13.91% | 7.70% | 10.77% | 13.67% | Beats 76% | 27 / 113 | |
| Net Interest Margin | 3.85% | 3.19% | 3.59% | 3.89% | Beats 67% | 37 / 113 | |
| Efficiency Ratio | 59.93% | 54.61% | 62.43% | 71.88% | Beats 58% | 49 / 113 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.03% | 0.24% | 0.91% | Beats 100% | 16 / 110 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.01% | Beats 36% | 71 / 110 | |
| Capital |
| Tier 1 Capital Ratio | 11.57% | 11.22% | 12.95% | 15.76% | Beats 27% | 82 / 113 | |
| Total Risk-Based Capital Ratio | 11.57% | 11.57% | 13.59% | 16.73% | Beats 25% | 85 / 113 | |
| Equity / Assets | 10.76% | 9.17% | 10.74% | 13.13% | Beats 50% | 56 / 113 | |
| Liquidity & Funding |
| Loans / Deposits | 70.86% | 76.54% | 86.37% | 98.93% | 19th pctl | 91 / 112 | |
| Loans / Assets | 61.89% | 63.07% | 71.33% | 78.84% | 24th pctl | 86 / 113 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |