Waumandee State Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Waumandee State Bank, based in Waumandee, Wisconsin, reported $345 million in assets at June 30, 2026, up 1.2% from a year earlier. It shrank its loan book 2.9% over the year, lower than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 5.5%). It also funds 9.39% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.60% of loans from 1.78%. Earnings jumped: net income for the quarter was $1.1 million, 42% above the same quarter a year earlier.
As of June 30, 2026, Waumandee State Bank reported a CET1 capital ratio of 13.75%, a return on assets of 1.25%, a nonperforming-loan ratio of 0.94% and a Texas ratio of 6.64%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- S2021 County Road U, Waumandee, WI 54622
- County
- Buffalo
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1914
- Offices
- 8 domestic
- Employees (FTE)
- 72
- Domestic deposits
- $301.2M
- Allowance for credit losses
- $2.9M
- Net charge-offs (YTD)
- $1K
- Average total assets
- $347.8M
- Average total loans
- $252.0M
- Average interest-bearing deposits
- $224.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 10384
- Fed RSSD
- 780955
- SEC CIK
- 1100440 → filed by WAUMANDEE BANCSHARES, LTD.
- Website
- http://www.waumandeebank.com →
- Parent Holding Company
- WAUMANDEE BANCSHARES, LTD. (RSSD 2892067)
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.
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 Waumandee State Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Waumandee State Bank, freeWaumandee State Bank 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.
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 | 13.75% | 1.25% | 0.94% | 6.64% | 4.28% |
| Q1 2026 | 13.68% | 1.06% | 1.14% | 8.05% | 4.14% |
| Q4 2025 | 13.11% | 2.41% | 1.10% | 8.04% | 4.36% |
| Q3 2025 | 12.40% | 0.92% | 1.75% | 12.51% | 4.08% |
| Q2 2025 | 12.36% | 0.90% | 2.16% | 14.95% | 3.96% |
| Q1 2025 | 12.16% | 0.58% | 1.21% | 7.23% | 3.85% |
| Q4 2024 | 12.08% | 0.92% | 1.14% | 6.31% | 3.91% |
| Q3 2024 | 11.81% | 0.72% | 0.94% | 4.74% | 3.74% |
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 8 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Union Bank of Blair Branch | Blair , WI | 54616 | $57.2M |
| Arcadia Branch | Arcadia , WI | 54612 | $54.0M |
| Waumandee State Bank (main office) | Waumandee , WI | 54622 | $42.5M |
| Whitehall Branch | Whitehall , WI | 54773 | $35.9M |
| Durand Branch | Durand , WI | 54736 | $35.8M |
| Fountain City Branch | Fountain City , WI | 54629 | $32.4M |
| Mondovi Branch | Mondovi , WI | 54755 | $23.4M |
| Black River Falls Branch | Black River Falls , WI | 54615 | $20.1M |
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 |
|---|---|---|---|
| August 8, 2020 | Structure Change | Acquired Union Bank of Blair Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 7, 2020 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 10, 2004 | Structure Change | Acquired First State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 9, 2004 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
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 Waumandee State Bank, 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
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.1% of deposits in WI, rank 93 of 185 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $195K approved, $195K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2014 (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 Waumandee State Bank
What are Waumandee State Bank's total assets?
As of the Q2 2026 filing, Waumandee State Bank reported total assets of $345.5 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Waumandee State Bank headquartered?
Waumandee State Bank is headquartered in Waumandee, WI, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Waumandee State Bank founded?
Waumandee State Bank was established in 1914, per the FDIC institution directory.
Is Waumandee State Bank FDIC-insured?
Yes. Waumandee State Bank is an FDIC-insured commercial bank (FDIC Certificate #10384). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Waumandee State Bank?
Waumandee State Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Waumandee State Bank's CET1 capital ratio?
Waumandee State Bank reported a Common Equity Tier 1 (CET1) capital ratio of 13.75% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Waumandee State Bank operate?
Waumandee State Bank operates 8 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Waumandee State Bank's Texas Ratio?
Waumandee State Bank's Texas Ratio is 6.64% 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.
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