Waldo State Bank
Waldo, WI · Cert 8700 · Peer group: banks under $1B in assets in WI (n=110-113)
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 37 of 110).
- Widest gap: nonperforming loans / loans trails 95% of banks under $1B in assets in WI (rank 105 of 110).
- Overall: at or above the peer median on 1 of 9 directional measures.
Return on Assets
0.68%
Rank 96 of 113
Net Interest Margin
3.25%
Rank 79 of 113
Efficiency Ratio
74.93%
Rank 93 of 113
Equity / Assets
9.82%
Rank 72 of 113
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% | 96 / 113 | |
| Return on Equity | 6.91% | 7.70% | 10.77% | 13.67% | Beats 20% | 90 / 113 | |
| Net Interest Margin | 3.25% | 3.19% | 3.59% | 3.89% | Beats 30% | 79 / 113 | |
| Efficiency Ratio | 74.93% | 54.61% | 62.43% | 71.88% | Beats 19% | 93 / 113 | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.44% | 0.03% | 0.24% | 0.91% | Beats 5% | 105 / 110 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.01% | Beats 100% | 37 / 110 | |
| Capital |
| Tier 1 Capital Ratio | 10.28% | 11.22% | 12.95% | 15.76% | Beats 16% | 95 / 113 | |
| Total Risk-Based Capital Ratio | 10.28% | 11.57% | 13.59% | 16.73% | Beats 14% | 97 / 113 | |
| Equity / Assets | 9.82% | 9.17% | 10.74% | 13.13% | Beats 36% | 72 / 113 | |
| Liquidity & Funding |
| Loans / Deposits | 92.82% | 76.54% | 86.37% | 98.93% | 65th pctl | 39 / 112 | |
| Loans / Assets | 76.68% | 63.07% | 71.33% | 78.84% | 65th pctl | 39 / 113 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |