First Federal Bank of Wisconsin: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
First Federal Bank of Wisconsin carries far more capital than most banks of its size. Based in Waukesha, Wisconsin, it had $286 million in assets at June 30, 2026, up 4.2% from a year earlier. It funds 22.54% of its assets with Tier 1 capital, about double the median of 10.99% for the 2,660 banks with $100 million to $1 billion in assets. It also carries problem assets equal to 0.1% of the capital and reserves that would absorb them, a small fraction of the median of 2.6% for banks its size.
Net income for the quarter rose 19% from a year earlier, to $729,000. Over the same year, loans grew 4.9% and deposits grew 0.8%. Profitability lags: it returns 4.6% a year on shareholders' equity, about a third the median of 12.5% for banks its size.
As of June 30, 2026, First Federal Bank of Wisconsin reported a CET1 capital ratio of 25.34%, a return on assets of 1.02%, a nonperforming-loan ratio of 0.02% and a Texas ratio of 0.05%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 1617 E Racine Ave, Waukesha, WI 53186
- County
- Waukesha
- Metro Area
- Milwaukee-Waukesha, WI
- Charter
- Federal savings bank, federal charter, OCC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- —
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1922
- Former names
- First Federal Savings Bank of Wisconsin (1988-2007)
- Offices
- 5 domestic
- Employees (FTE)
- 51
- Domestic deposits
- $205.9M
- Allowance for credit losses
- $2.9M
- Net charge-offs (YTD)
- -$1K
- Average total assets
- $285.4M
- Average total loans
- $226.8M
- Average interest-bearing deposits
- $157.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 30422
- Fed RSSD
- 331076
- SEC CIK
- 1787384 → filed by FFBW, INC.
- Website
- www.ffbwi.com →
- Parent Holding Company
- FFBW, INC. (RSSD 5426847)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD. The UBPR's YTD ROA divides by the average of the quarterly average assets the bank reports on Schedule RC-K, while FDIC BankFind divides by the average of quarter-end total assets, so FDIC's ROA can differ from the YTD figure by a few hundredths of a point. Net interest margin is the UBPR's tax-equivalent figure over the UBPR's own average earning assets. FDIC BankFind's is not tax-equivalent and divides by the average of quarter-end earning assets including the prior year-end, so after a merger FDIC's margin can differ from ours by several tenths of a point.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full First Federal Bank of Wisconsin terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock First Federal Bank of Wisconsin, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
First Federal Bank of Wisconsin rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for First Federal Bank of Wisconsin: CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 25.34% | 1.02% | 0.02% | 0.05% | 4.77% |
| Q1 2026 | 25.81% | 0.90% | 0.02% | 0.05% | 4.47% |
| Q4 2025 | 25.07% | 1.32% | 0.02% | 0.06% | 4.60% |
| Q3 2025 | 24.40% | 0.92% | 0.02% | 0.06% | 4.35% |
| Q2 2025 | 26.69% | 0.85% | 0.00% | 0.00% | 4.26% |
| Q1 2025 | 27.06% | 0.76% | 0.07% | 0.23% | 4.04% |
| Q4 2024 | 26.78% | 0.83% | 0.07% | 0.23% | 4.02% |
| Q3 2024 | 26.54% | 0.98% | 0.04% | 0.13% | 3.77% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 5 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First Federal Bank of Wisconsin (main office) | Waukesha , WI | 53186 | $92.4M |
| 3974 South Howell Ave Br | Milwaukee , WI | 53207 | $47.5M |
| Mitchell Bank Branch | Milwaukee , WI | 53204 | $33.4M |
| Brookfield Office | Brookfield , WI | 53005 | $32.6M |
| Drive-In Branch | Milwaukee , WI | 53204 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| January 1, 2021 | Structure Change | Acquired Mitchell Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 31, 2020 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 17, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 17, 2014 | Structure Change | Acquired Bay View Federal Savings and Loan Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
What the public regulatory sources show for First Federal Bank of Wisconsin, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- None against the institution on file; 1 against individuals associated with it
- Period: Most recent action August 3, 1993. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in WI, rank 121 of 185 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 59 applications, 40 loans originated, $9.5M originated, across 2 states
- Period: Calendar year 2019. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $100K approved, $100K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2021 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about First Federal Bank of Wisconsin
What are First Federal Bank of Wisconsin's total assets?
As of the Q2 2026 filing, First Federal Bank of Wisconsin reported total assets of $285.9 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is First Federal Bank of Wisconsin headquartered?
First Federal Bank of Wisconsin is headquartered in Waukesha, WI, United States. It files quarterly FFIEC call reports, as every FDIC-insured savings institution must.
When was First Federal Bank of Wisconsin founded?
First Federal Bank of Wisconsin was established in 1922, per the FDIC institution directory.
Is First Federal Bank of Wisconsin FDIC-insured?
Yes. First Federal Bank of Wisconsin is an FDIC-insured savings institution (FDIC Certificate #30422). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Federal Bank of Wisconsin?
First Federal Bank of Wisconsin's primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is First Federal Bank of Wisconsin's CET1 capital ratio?
First Federal Bank of Wisconsin reported a Common Equity Tier 1 (CET1) capital ratio of 25.34% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does First Federal Bank of Wisconsin operate?
First Federal Bank of Wisconsin operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First Federal Bank of Wisconsin's Texas Ratio?
First Federal Bank of Wisconsin's Texas Ratio is 0.05% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was First Federal Bank of Wisconsin previously called?
The charter now named First Federal Bank of Wisconsin has also operated as First Federal Savings Bank of Wisconsin (1988-2007), per FDIC structure-change records.
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