Waldo State Bank
Waldo, WI · Cert 8700 · Peer group: banks under $1B in assets in WI (n=109-112)
State charter, non-member · FDIC · 1 branch
Q2 2026
$154.2MAssets
$118.2MLoans
$127.4MDeposits
$15.1MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in WI (rank 36 of 109).
- Widest gap: nonperforming loans / loans trails 94% of banks under $1B in assets in WI (rank 104 of 109).
- Overall: at or above the peer median on 1 of 9 directional measures.
Return on Assets
0.68%
Rank 95 of 112
Net Interest Margin
3.25%
Rank 78 of 112
Efficiency Ratio
74.93%
Rank 92 of 112
Equity / Assets
9.82%
Rank 71 of 112
Non-interest income vs. expense
Unfavorable gap of $3.6M · efficiency ratio beats 19% 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 | 0.68% | 0.85% | 1.17% | 1.51% | Beats 15% | 95 / 112 | |
| Return on Equity | 6.91% | 7.87% | 10.91% | 13.85% | Beats 20% | 90 / 112 | |
| Net Interest Margin | 3.25% | 3.19% | 3.59% | 3.89% | Beats 30% | 78 / 112 | |
| Efficiency Ratio | 74.93% | 54.87% | 62.73% | 72.61% | Beats 19% | 92 / 112 | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.44% | 0.03% | 0.22% | 0.91% | Beats 6% | 104 / 109 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.01% | Beats 100% | 36 / 109 | |
| Capital |
| Tier 1 Capital Ratio | 10.28% | 11.22% | 12.95% | 15.76% | Beats 16% | 94 / 112 | |
| Total Risk-Based Capital Ratio | 10.28% | 11.57% | 13.59% | 16.73% | Beats 14% | 96 / 112 | |
| Equity / Assets | 9.82% | 9.17% | 10.74% | 13.13% | Beats 37% | 71 / 112 | |
| Liquidity & Funding |
| Loans / Deposits | 92.82% | 75.89% | 86.36% | 98.49% | 66th pctl | 38 / 111 | |
| Loans / Assets | 76.68% | 64.03% | 71.52% | 78.98% | 65th pctl | 39 / 112 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |