Waukesha State Bank
Waukesha, WI · Cert 16160 · Peer group: banks $1B-$10B in assets operating in a single state (n=266-267) · 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 267).
- Widest gap: total risk-based capital ratio trails 79% of banks $1B-$10B in assets operating in a single state (rank 211 of 267).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.86%
Rank 26 of 267
Net Interest Margin
4.11%
Rank 36 of 267
Efficiency Ratio
55.57%
Rank 103 of 266
Equity / Assets
10.94%
Rank 103 of 267
Non-interest income vs. expense
Unfavorable gap of $27.0M · efficiency ratio beats 62% 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% | 1.55% | Beats 90% | 26 / 267 | |
| Return on Equity | 17.02% | 9.16% | 11.84% | 14.56% | Beats 88% | 32 / 267 | |
| Net Interest Margin | 4.11% | 3.12% | 3.50% | 3.88% | Beats 87% | 36 / 267 | |
| Efficiency Ratio | 55.57% | 51.36% | 60.21% | 69.66% | Beats 62% | 103 / 266 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.25% | 0.19% | 0.46% | 0.89% | Beats 69% | 84 / 267 | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.02% | 0.06% | Beats 72% | 78 / 267 | |
| Capital |
| Tier 1 Capital Ratio | 11.51% | 11.29% | 13.05% | 15.13% | Beats 28% | 193 / 267 | |
| Total Risk-Based Capital Ratio | 11.51% | 11.95% | 13.87% | 16.27% | Beats 21% | 211 / 267 | |
| Equity / Assets | 10.94% | 9.18% | 10.29% | 11.76% | Beats 61% | 103 / 267 | |
| Liquidity & Funding |
| Loans / Deposits | 94.04% | 72.68% | 86.16% | 95.22% | 72nd pctl | 76 / 267 | |
| Loans / Assets | 74.59% | 62.46% | 71.96% | 78.38% | 58th pctl | 112 / 267 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |