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Waumandee State Bank
Waumandee, WI · FDIC Certificate #10384 · Chartered 01/0
Total assets
$345.49M
Total deposits
$301.17M
Total equity
$38.31M
Net loans
$250.72M
Branches (offices)
8
Net income (YTD)
$2.02M
Rank: #2,268 of 4,213 U.S. banks by assets · #85 of 153 in Wisconsin. Assets changed 1.2% and deposits 4.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.16% |
| Return on equity | 10.56% |
| Net interest margin (YTD) | 4.23% |
| Equity to assets | 11.09% |
| Tier 1 leverage ratio | 9.39% |
| Uninsured deposits (share of deposits) | 9.4% |
| Noncurrent loans (share of loans) | 0.60% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 83.2% |
| Real estate loans (share of loans) | 74.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $186.50M | 74.4% | |
| Commercial & industrial | $23.42M | 9.3% | |
| Consumer / individual | $7.74M | 3.1% | |
| Construction & development | $8.98M | 3.6% | |
| Agricultural | $11.07M | 4.4% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $329.62M | $295.18M | $1.10M | $33.66M |
| Jun 2023 | $330.94M | $273.25M | $840.00K | $33.85M |
| Jun 2024 | $329.19M | $275.58M | $910.00K | $34.59M |
| Jun 2025 | $341.30M | $289.23M | $1.26M | $37.14M |
| Jun 2026 | $345.49M | $301.17M | $2.02M | $38.31M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Wisconsin | $301.17M | 8 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $301.17M.
Similar-sized banks
Community State Bank ($345.78M) · First National Community Bank ($345.35M)
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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