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Waldo State Bank
Waldo, WI · FDIC Certificate #8700 · Chartered 01/0
Total assets
$154.21M
Total deposits
$127.39M
Total equity
$15.14M
Net loans
$117.29M
Branches (offices)
1
Net income (YTD)
$523.00K
Rank: #3,276 of 4,213 U.S. banks by assets · #128 of 153 in Wisconsin. Assets changed -1.0% and deposits 1.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.68% |
| Return on equity | 7.03% |
| Net interest margin (YTD) | 3.54% |
| Equity to assets | 9.82% |
| Tier 1 leverage ratio | 10.28% |
| Uninsured deposits (share of deposits) | 9.1% |
| Noncurrent loans (share of loans) | 2.44% |
| Net charge-offs (share of loans) | -0.01% |
| Loans to deposits | 92.1% |
| Real estate loans (share of loans) | 92.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $108.89M | 92.8% | |
| Commercial & industrial | $6.41M | 5.5% | |
| Consumer / individual | $1.94M | 1.7% | |
| Construction & development | $11.20M | 9.5% | |
| Agricultural | $723.00K | 0.6% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $106.59M | $93.64M | $541.00K | $11.68M |
| Jun 2023 | $114.19M | $93.10M | $221.00K | $11.91M |
| Jun 2024 | $129.00M | $103.67M | $388.00K | $12.61M |
| Jun 2025 | $155.76M | $126.17M | $570.00K | $14.07M |
| Jun 2026 | $154.21M | $127.39M | $523.00K | $15.14M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Wisconsin | $127.39M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $127.39M.
Similar-sized banks
State Bank Of Fairmont ($154.22M) · Heartland State Bank ($154.03M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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