BlastPoint's Banking Scorecard

Waukesha State Bank

$1B-$10B Specialty: Commercial WI FDIC cert 16160

Designations: ✓ Community bank

Waukesha, WI

15 branches across WI

884 banks in the $1B-$10B peer group nationally 28 in WI

Waukesha State Bank has 5 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Profitability Leader: Top 28.5% in tier
+ Revenue Diversifier: Top 30.8% in tier
+ Net Interest Margin 0.44% above tier average
+ Efficiency Ratio 0.97% below tier average
+ Delinquency Rate 0.30% below tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 45.2% in tier
- Liquidity Strain: Bottom 48.8% in tier

Get updates when Waukesha State Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Total Assets ?	$1.6B +6.5% YoY +2.0% QoQ	-$1.2B	$2.8B -0.1% YoY	$1.1B +10.1% YoY	$6.2B +9.1% YoY	40%
Total Loans ?	$1.2B +8.4% YoY +3.0% QoQ	-$753.1M	$2.0B +0.6% YoY	$816.7M +9.9% YoY	$3.2B +10.8% YoY	44%
Total Deposits ?	$1.3B +2.0% YoY +0.6% QoQ	-$1.1B	$2.3B -0.3% YoY	$905.4M +9.0% YoY	$4.8B +8.2% YoY	35%
Return on Assets ?	2.03% +24.1% YoY +19.2% QoQ	+0.66%	1.37% +19.6% YoY	1.50% +15.4% YoY	1.23% +13.4% YoY	Top 9.6% in tier
Net Interest Margin ?	4.26% +4.9% YoY +0.8% QoQ	+0.44%	3.82% +6.9% YoY	3.77% +9.2% YoY	3.89% +5.7% YoY	81%
Efficiency Ratio ?	60.09% -10.4% YoY -7.8% QoQ	-0.97%	61.06% -4.6% YoY	64.74% -4.5% YoY	66.95% -4.1% YoY	49%
Delinquency Rate ?	0.59% -1.2% YoY +12.8% QoQ	-0.30%	0.89% +14.1% YoY	0.87% +31.3% YoY	0.95% +18.8% YoY	48%
Loan-to-Deposit Ratio ?	95.57% +6.3% YoY +2.4% QoQ	+11.37%	84.20% +0.3% YoY	86.53% +1.6% YoY	76.70% +0.9% YoY	23%
Non-Interest-Bearing Deposit Share ?	29.24% +2.7% YoY -0.7% QoQ	+7.95%	21.29% -2.5% YoY	18.27% -0.8% YoY	22.01% -1.2% YoY	83%
Nonperforming Asset Ratio ?	0.43% +0.5% YoY +13.9% QoQ	-0.24%	0.67% +15.6% YoY	0.63% +35.0% YoY	0.67% +19.3% YoY	49%
Tier 1 Capital Ratio ?	10.69% -6.2% YoY -10.3% QoQ	-4.47%	15.16% +2.0% YoY	14.74% +0.5% YoY	17.06% +0.8% YoY	Bottom 11.9% in tier
Non-Interest Income / Assets ?	0.32% +0.6% YoY -76.3% QoQ	+0.06%	0.26% +1.6% YoY	1.15% +12.5% YoY	0.32% +4.1% YoY	Top 12.0% in tier

Get Full Access to Waukesha State Bank

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

Want to see an example first? Preview JPMorgan Chase's scorecard →

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (2)

Profitability Leader

growth

#64 of 221 • Top 28.5% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 2.03%

(Tier: 1.37%, National: 1.23%)

better than tier avg

221 of 221 Mid-Market banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Revenue Diversifier

growth

#69 of 221 • Top 30.8% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.32%

(Tier: 0.26%, National: 0.32%)

better than tier avg

Return on Assets: 2.03%

(Tier: 1.37%, National: 1.23%)

better than tier avg

221 of 221 Mid-Market banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Concerns (2)

Capital Thin

risk

#101 of 221 • Bottom 45.2% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 10.69%

(Tier: 15.16%, National: 17.06%)

worse than tier avg

221 of 221 Mid-Market banks match · 926 nationally

→ Stable +3 banks QoQ

Liquidity Strain

risk

#164 of 334 • Bottom 48.8% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 95.57%

(Tier: 84.20%, National: 76.70%)

worse than tier avg

334 of 334 Mid-Market banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 884 peers in $1B-$10B

Top Strengths (4 metrics)

Return on Assets

profitability

Value: 2.03%

Peer Median: 1.37%

#86 of 884 Top 9.6% in $1B-$10B

107

Non-Interest Income / Assets

revenue_mix

Value: 0.32%

Peer Median: 0.26%

#107 of 884 Top 12.0% in $1B-$10B

154

Non-Interest-Bearing Deposit Share

funding

Value: 29.24%

Peer Median: 21.29%

#154 of 884 Top 17.3% in $1B-$10B

165

Net Interest Margin

profitability

Value: 4.26%

Peer Median: 3.82%

#165 of 884 Top 18.6% in $1B-$10B

Top Weaknesses (2 metrics)

780

Tier 1 Capital Ratio

capital

Value: 10.69%

Peer Median: 15.16%

#780 of 884 Bottom 11.9% in $1B-$10B

682

Loan-to-Deposit Ratio

liquidity

Value: 95.57%

Peer Median: 84.20%

#682 of 884 Bottom 23.0% in $1B-$10B