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Westbury Bank

$100M-$1B Specialty: Commercial WI FDIC cert 28400

Waukesha, WI

9 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 110 in WI.
  • Deposits -3.7% year over year ($698.0M on the books).
  • Delinquency rate 0.00%.
  • Return on assets 0.80%.
  • Efficiency ratio 78.61% vs a 64.48% peer average.
  • Loan-to-deposit ratio 77.86% vs a 77.95% peer average.

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

2643 banks in the $100M-$1B peer group nationally 110 in WI
View $100M-$1B leaderboard (WI) →

Westbury Bank has 3 strengths but faces 3 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

  • + Credit Quality Leader: Top 40.2% in tier
  • + Nonperforming Asset Ratio 0.67% below tier average
  • + Net Interest Margin 0.13% above tier average

Key Concerns

Areas that may need attention

  • - Margin Compression: Bottom 5.2% in tier
  • - Deposit Outflow: Bottom 28.4% in tier
  • - Efficiency Ratio 14.13% above tier average
Get updates when Westbury 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 ? $771.9M
-4.2% YoY -1.1% QoQ
+$385.3M $386.6M
+1.2% YoY
$1.2B
+13.5% YoY
$6.3B
+7.7% YoY
Top 9.4% in tier
Total Loans ? $543.4M
-5.6% YoY +4.3% QoQ
+$285.1M $258.3M
+1.7% YoY
$860.4M
+13.3% YoY
$3.2B
+9.4% YoY
Top 8.4% in tier
Total Deposits ? $698.0M
-3.7% YoY -1.2% QoQ
+$371.2M $326.7M
+0.7% YoY
$935.5M
+13.1% YoY
$4.9B
+7.3% YoY
Top 6.9% in tier
Return on Assets ? 0.80%
-21.5% YoY +10.9% QoQ
-0.52% 1.32%
+10.8% YoY
1.56%
+18.6% YoY
1.30%
+12.1% YoY
23%
Net Interest Margin ? 4.12%
+6.9% YoY +1.1% QoQ
+0.13% 3.99%
+5.0% YoY
3.83%
+8.5% YoY
3.95%
+4.9% YoY
60%
Efficiency Ratio ? 78.61%
+12.8% YoY -3.1% QoQ
+14.13% 64.48%
-3.2% YoY
62.90%
-5.1% YoY
70.05%
+2.5% YoY
15%
Delinquency Rate ? 0.00% -0.92% 0.92%
+15.7% YoY
0.85%
+12.5% YoY
0.98%
+16.3% YoY
Top 0.1% in tier
Loan-to-Deposit Ratio ? 77.86%
-1.9% YoY +5.5% QoQ
-0.10% 77.95%
+1.0% YoY
87.22%
+0.9% YoY
79.03%
+2.3% YoY
54%
Non-Interest-Bearing Deposit Share ? 32.75%
-1.2% YoY +0.4% QoQ
+10.72% 22.03%
-0.6% YoY
18.65%
-1.9% YoY
21.98%
-0.6% YoY
Top 13.1% in tier
Nonperforming Asset Ratio ? 0.00% -0.67% 0.67%
+16.4% YoY
0.63%
+16.4% YoY
0.69%
+15.8% YoY
Top 0.1% in tier
Tier 1 Capital Ratio ? 11.76%
-6.0% YoY -4.6% QoQ
-4.14% 15.91%
+1.4% YoY
15.02%
+1.5% YoY
17.09%
+0.8% YoY
33%
Non-Interest Income / Assets ? 0.35%
+33.5% YoY +90.9% QoQ
-0.21% 0.57%
+7.6% YoY
2.21%
+12.7% YoY
0.66%
+5.2% YoY
80%

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 32.8%
-0.4pp YoY
+0.1pp QoQ
 +10.6pp 22.1% 18.9% 22.2% 87%
Brokered Deposits n/a n/a 7.9% 9.2% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
C&I 12.6%
-1.9pp YoY
-0.3pp QoQ
 +1.0pp 11.6% 10.5% 12.5% 66%
CRE 64.3%
-0.6pp YoY
+0.7pp QoQ
 +24.8pp 39.5% 46.4% 41.4% 89%
1-4 Family 22.8%
+2.7pp YoY
-0.4pp QoQ
 -9.8pp 32.6% 32.3% 31.3% 36%
Consumer 0.1%
-0.1pp YoY
0.0pp QoQ
 -4.0pp 4.1% 2.6% 5.0% 6%

Capital

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
CET1 Ratio 11.8%
-0.8pp YoY
-0.6pp QoQ
 -7.1pp 18.8% 15.5% 19.7% 14%
Leverage Ratio 9.2%
-0.6pp YoY
0.0pp QoQ
 -3.0pp 12.2% 12.6% 12.6% 15%
Total Capital Ratio 12.8%
-0.7pp YoY
-0.6pp QoQ
 -7.1pp 19.9% 16.6% 20.8% 14%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Full-Time Employees 115
+3 (+2.7%) YoY
+3 (+2.7%) QoQ
 +56 58 134 482 91%
Assets per Employee ($) $6.7M
-6.7% YoY
-3.6% QoQ
 -$806K $7.5M $8.2M $8.8M 47%
Branch Count 9
0 YoY
0 QoQ
 +4 4 9 18 86%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.4% 0.4% n/a
Nonaccrual n/a n/a 0.9% 0.9% 1.0% n/a
Allowance Coverage n/a n/a 24.15x 56.89x 20.23x n/a
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.0% 0.2% 58%

Profitability

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
ROE 9.7%
-1.3pp YoY
+0.9pp QoQ
 -2.5pp 12.2% 11.8% 11.6% 35%
Cost of Funds (YTD) 0.6%
-0.2pp YoY
0.0pp QoQ
 -1.1pp 1.7% 1.8% 1.7% 3%
Net Income ($, YTD) $3.1M
-24.8% YoY
— QoQ
 +$564K $2.6M $7.9M $40.4M 71%

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 (1)

Credit Quality Leader

growth
#266 of 659 • Top 40.2% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.00%
(Tier: 0.92%, National: 0.98%)
better than tier avg
659 of 659 Community banks match · 920 nationally
→ Stable +1 banks QoQ | QoQ rank improving

Concerns (2)

Margin Compression

decline
#17 of 307 • Bottom 5.2% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature
Return on Assets: 0.80%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
307 of 307 Community banks match · 413 nationally
→ Stable +8 banks QoQ

Deposit Outflow

decline
#153 of 535 • Bottom 28.4% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally
→ Stable +31 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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (7 metrics)

1
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.92%
#1 of 2633 Top 0.1% in $100M-$1B
1
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.67%
#1 of 2643 Top 0.1% in $100M-$1B
184
Total Deposits
size
Value: $697.95M
Peer Median: $326.73M
#184 of 2643 Top 6.9% in $100M-$1B
223
Total Loans
size
Value: $543.40M
Peer Median: $258.35M
#223 of 2643 Top 8.4% in $100M-$1B
249
Total Assets
size
Value: $771.89M
Peer Median: $386.57M
#249 of 2643 Top 9.4% in $100M-$1B
348
Non-Interest-Bearing Deposit Share
funding
Value: 32.75%
Peer Median: 22.03%
#348 of 2643 Top 13.1% in $100M-$1B
526
Non-Interest Income / Assets
revenue_mix
Value: 0.35%
Peer Median: 0.57%
#526 of 2643 Top 19.9% in $100M-$1B

Top Weaknesses (2 metrics)

2239
Efficiency Ratio
profitability
Value: 78.61%
Peer Median: 64.48%
#2239 of 2643 Bottom 15.3% in $100M-$1B
2032
Return on Assets
profitability
Value: 0.80%
Peer Median: 1.32%
#2032 of 2643 Bottom 23.2% in $100M-$1B
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