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Waukesha State Bank

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

Designations: ✓ Community bank

Waukesha, WI

15 branches across WI

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 30 in WI.
  • Deposits +1.9% year over year ($1.3B on the books).
  • Delinquency rate 0.25%.
  • Return on assets 2.38%.
  • Efficiency ratio 55.57% vs a 59.73% peer average.
  • Loan-to-deposit ratio 93.16% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 30 in WI
View $1B-$10B leaderboard (WI) →

Waukesha State Bank has 5 strengths but faces 1 concern

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

  • + Revenue Diversifier: Top 19.4% in tier
  • + Profitability Leader: Top 20.7% in tier
  • + Deposit Franchise: Top 73.8% in tier
  • + Efficiency Ratio 4.15% below tier average
  • + Delinquency Rate 0.62% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 33.5% in tier
Get updates when Waukesha State Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Total Assets ? $1.6B
+5.4% YoY -0.5% QoQ
-$1.2B $2.8B
-0.6% YoY
$1.2B
+13.5% YoY
$6.3B
+7.7% YoY
40%
Total Loans ? $1.2B
+7.3% YoY -0.9% QoQ
-$762.5M $2.0B
-0.3% YoY
$860.4M
+13.3% YoY
$3.2B
+9.4% YoY
43%
Total Deposits ? $1.3B
+1.9% YoY +1.7% QoQ
-$1.0B $2.3B
-0.5% YoY
$935.5M
+13.1% YoY
$4.9B
+7.3% YoY
36%
Return on Assets ? 2.38%
+14.5% YoY +17.3% QoQ
+0.99% 1.39%
+17.0% YoY
1.56%
+18.6% YoY
1.30%
+12.1% YoY
Top 4.7% in tier
Net Interest Margin ? 4.46%
+8.1% YoY +4.7% QoQ
+0.59% 3.87%
+6.2% YoY
3.83%
+8.5% YoY
3.95%
+4.9% YoY
Top 13.7% in tier
Efficiency Ratio ? 55.57%
-7.3% YoY -7.5% QoQ
-4.15% 59.73%
-12.6% YoY
62.90%
-5.1% YoY
70.05%
+2.5% YoY
61%
Delinquency Rate ? 0.25%
-35.6% YoY -57.7% QoQ
-0.62% 0.87%
+11.7% YoY
0.85%
+12.5% YoY
0.98%
+16.3% YoY
74%
Loan-to-Deposit Ratio ? 93.16%
+5.3% YoY -2.5% QoQ
+8.12% 85.04%
-0.1% YoY
87.22%
+0.9% YoY
79.03%
+2.3% YoY
32%
Non-Interest-Bearing Deposit Share ? 30.25%
+7.8% YoY +3.5% QoQ
+8.98% 21.27%
-1.5% YoY
18.65%
-1.9% YoY
21.98%
-0.6% YoY
85%
Nonperforming Asset Ratio ? 0.18%
-34.4% YoY -57.9% QoQ
-0.49% 0.67%
+11.7% YoY
0.63%
+16.4% YoY
0.69%
+15.8% YoY
75%
Tier 1 Capital Ratio ? 11.51%
-3.0% YoY +7.7% QoQ
-3.33% 14.84%
-0.4% YoY
15.02%
+1.5% YoY
17.09%
+0.8% YoY
26%
Non-Interest Income / Assets ? 0.70%
+0.3% YoY +119.9% QoQ
+0.17% 0.53%
+2.5% YoY
2.21%
+12.7% YoY
0.66%
+5.2% YoY
Top 11.3% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Noninterest-Bearing 30.3%
+2.2pp YoY
+1.0pp QoQ
 +8.9pp 21.4% 18.9% 22.2% 85%
Brokered Deposits 0.7%
0.0pp YoY
0.0pp QoQ
 -8.8pp 9.5% 9.2% 8.5% 14%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
C&I 9.3%
+0.8pp YoY
+0.1pp QoQ
 -4.7pp 14.0% 10.5% 12.5% 40%
CRE 49.8%
-0.7pp YoY
-1.0pp QoQ
 -0.2pp 50.0% 46.4% 41.4% 49%
1-4 Family 39.7%
-1.2pp YoY
+1.1pp QoQ
 +13.3pp 26.4% 32.3% 31.3% 81%
Consumer 0.6%
0.0pp YoY
0.0pp QoQ
 -4.1pp 4.7% 2.6% 5.0% 36%

Capital

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
CET1 Ratio n/a n/a 15.6% 15.5% 19.7% n/a
Leverage Ratio 11.5%
-0.4pp YoY
+0.8pp QoQ
 +0.2pp 11.3% 12.6% 12.6% 70%
Total Capital Ratio n/a n/a 16.7% 16.6% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Full-Time Employees 337
+18 (+5.6%) YoY
+24 (+7.7%) QoQ
 +23 313 134 482 71%
Assets per Employee ($) $4.8M
-0.2% YoY
-7.6% QoQ
 -$5.7M $10.5M $8.2M $8.8M 3%
Branch Count 15
0 YoY
0 QoQ
 -5 20 9 18 50%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.2% 0.4% 0.4% n/a
Nonaccrual 0.2%
-0.1pp YoY
-0.3pp QoQ
 -0.6pp 0.8% 0.9% 1.0% 26%
Allowance Coverage 3.83x
+70.0% YoY
+147.5% QoQ
 -14.88x 18.71x 56.89x 20.23x 71%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.0% 0.2% 34%

Profitability

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
ROE 21.9%
+2.7pp YoY
+3.2pp QoQ
 +9.3pp 12.6% 11.8% 11.6% 93%
Cost of Funds (YTD) 1.4%
-0.1pp YoY
-0.1pp QoQ
 -0.5pp 1.9% 1.8% 1.7% 16%
Net Income ($, YTD) $19.3M
+21.5% YoY
— QoQ
 +$26K $19.2M $7.9M $40.4M 68%

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 (3)

Revenue Diversifier

growth
#44 of 222 • Top 19.4% 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: 0.70%
(Tier: 0.53%, National: 0.66%)
better than tier avg
Return on Assets: 2.38%
(Tier: 1.39%, National: 1.30%)
better than tier avg
222 of 222 Mid-Market banks match · 923 nationally
→ Stable | QoQ rank improving

Profitability Leader

growth
#47 of 222 • Top 20.7% in tier

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

Why this signature
Return on Assets: 2.38%
(Tier: 1.39%, National: 1.30%)
better than tier avg
222 of 222 Mid-Market banks match · 923 nationally
→ Stable | QoQ rank improving

Deposit Franchise

growth
#60 of 80 • Top 73.8% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature
Noninterest-Bearing Deposit Share: 30.25%
(Tier: 21.27%, National: 21.98%)
better than tier avg
Net Interest Margin: 4.46%
(Tier: 3.87%, National: 3.95%)
better than tier avg
80 of 80 Mid-Market banks match · 368 nationally
→ Stable -1 banks QoQ | QoQ rank improving

Concerns (1)

Liquidity Strain

risk
#122 of 361 • Bottom 33.5% 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: 93.16%
(Tier: 85.04%, National: 79.03%)
worse than tier avg
361 of 361 Mid-Market banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank improving

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).
Comparing against 885 peers in $1B-$10B

Top Strengths (4 metrics)

43
Return on Assets
profitability
Value: 2.38%
Peer Median: 1.39%
#43 of 885 Top 4.7% in $1B-$10B
101
Non-Interest Income / Assets
revenue_mix
Value: 0.70%
Peer Median: 0.53%
#101 of 885 Top 11.3% in $1B-$10B
122
Net Interest Margin
profitability
Value: 4.46%
Peer Median: 3.87%
#122 of 885 Top 13.7% in $1B-$10B
134
Non-Interest-Bearing Deposit Share
funding
Value: 30.25%
Peer Median: 21.27%
#134 of 885 Top 15.0% in $1B-$10B

Top Weaknesses (0 metrics)

No weakness rankings available
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