Waukesha State Bank
Waukesha, WI · Cert 16160 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Bank Street Capital Corp.
State charter, non-member · FDIC · 15 branches
Q2 2026
$1.6BAssets
$1.2BLoans
$1.3BDeposits
$177.7MEquity
Executive Summary
- Strongest standing: return on assets outperforms 90% of banks $1B-$10B in assets operating in a single state (rank 26 of 258).
- Widest gap: total risk-based capital ratio trails 81% of banks $1B-$10B in assets operating in a single state (rank 208 of 258).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.86%
Rank 26 of 258
Net Interest Margin
4.11%
Rank 37 of 258
Efficiency Ratio
55.57%
Rank 96 of 257
Equity / Assets
10.94%
Rank 99 of 258
Non-interest income vs. expense
Unfavorable gap of $27.0M · efficiency ratio beats 63% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.86% | 0.93% | 1.23% | 1.54% | Beats 90% | 26 / 258 | |
| Return on Equity | 17.02% | 9.26% | 11.84% | 14.74% | Beats 87% | 33 / 258 | |
| Net Interest Margin | 4.11% | 3.16% | 3.49% | 3.88% | Beats 86% | 37 / 258 | |
| Efficiency Ratio | 55.57% | 51.71% | 60.30% | 69.65% | Beats 63% | 96 / 257 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.25% | 0.19% | 0.46% | 0.90% | Beats 69% | 82 / 258 | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.02% | 0.07% | Beats 70% | 79 / 258 | |
| Capital |
| Tier 1 Capital Ratio | 11.51% | 11.41% | 12.98% | 15.12% | Beats 27% | 189 / 258 | |
| Total Risk-Based Capital Ratio | 11.51% | 12.10% | 13.91% | 16.08% | Beats 19% | 208 / 258 | |
| Equity / Assets | 10.94% | 9.09% | 10.24% | 11.72% | Beats 62% | 99 / 258 | |
| Liquidity & Funding |
| Loans / Deposits | 94.04% | 73.24% | 86.34% | 95.95% | 71st pctl | 76 / 258 | |
| Loans / Assets | 74.59% | 63.01% | 72.27% | 78.40% | 58th pctl | 109 / 258 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |