Westbury Bank
Waukesha, WI · Cert 28400 · Peer group: banks under $1B in assets in WI (n=110-113) · Westbury Bcorp Inc.
State charter, non-member · FDIC · 9 branches
Q2 2026
$771.9MAssets
$549.3MLoans
$698.0MDeposits
$64.5MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in WI (rank 16 of 110).
- Widest gap: equity / assets trails 85% of banks under $1B in assets in WI (rank 96 of 113).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.81%
Rank 91 of 113
Net Interest Margin
3.86%
Rank 34 of 113
Efficiency Ratio
78.61%
Rank 96 of 113
Equity / Assets
8.35%
Rank 96 of 113
Non-interest income vs. expense
Unfavorable gap of $22.5M · efficiency ratio beats 16% of banks under $1B in assets in WI | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.81% | 0.85% | 1.17% | 1.51% | Beats 19% | 91 / 113 | | |
| Return on Equity | 9.68% | 7.70% | 10.77% | 13.67% | Beats 37% | 71 / 113 | | |
| Net Interest Margin | 3.86% | 3.19% | 3.59% | 3.89% | Beats 70% | 34 / 113 | | |
| Efficiency Ratio | 78.61% | 54.61% | 62.43% | 71.88% | Beats 16% | 96 / 113 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.03% | 0.24% | 0.91% | Beats 100% | 16 / 110 | | |
| Net Charge-Offs / Loans | 0.02% | n/a | 0.00% | 0.01% | Beats 18% | 91 / 110 | | |
| Capital |
| Tier 1 Capital Ratio | 11.76% | 11.22% | 12.95% | 15.76% | Beats 30% | 79 / 113 | | |
| Total Risk-Based Capital Ratio | 12.80% | 11.57% | 13.59% | 16.73% | Beats 39% | 69 / 113 | | |
| Equity / Assets | 8.35% | 9.17% | 10.74% | 13.13% | Beats 15% | 96 / 113 | | |
| Liquidity & Funding |
| Loans / Deposits | 78.71% | 76.54% | 86.37% | 98.93% | 31st pctl | 77 / 112 | | |
| Loans / Assets | 71.17% | 63.07% | 71.33% | 78.84% | 49th pctl | 58 / 113 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |