The Farmers State Bank of Waupaca
Also written as FSB of Waupaca
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Data as of · sourced from FFIEC call reports. How we update
The Farmers State Bank of Waupaca is an FDIC-insured commercial bank headquartered in Waupaca, WI, supervised by the Federal Reserve, with $279.5M in total assets at Q2 2026, up 9.0% from Q2 2025, the 103rd largest of 153 banks headquartered in Wisconsin. It was established in 1911 and holds FDIC certificate 13033. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.57% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 13033
- Headquarters
- Waupaca, WI
- Established
- 1911
- Total assets, Q2 2026
- $279.5M
- Assets vs Q2 2025
- +9.0%
- Tier 1 leverage ratio, Q2 2026
- 11.57%
- Domestic offices
- 3 · The Farmers State Bank of Waupaca branches FDIC institution directory, current count
- Routing number
- 075902573
- Safety and soundness
- Is The Farmers State Bank of Waupaca safe?
- Latest call report
- Q2 2026, FFIEC 051 · The Farmers State Bank of Waupaca Q3 2026 call report, filed October 5, 2026 (preliminary)
- Holding company
- FARMERS STATE BANCORPORATION, INC.
- Asset rank in state
- 103rd of 153 in Wisconsin
The Farmers State Bank of Waupaca, based in Waupaca, Wisconsin, reported $279 million in assets at June 30, 2026, up 9.0% from a year earlier. It carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 of the 2,627 banks with $100 million to $1 billion in assets (median 2.7%). It also pays an average of 1.24% on its deposits and borrowings, lower than about three-quarters of banks its size (median 1.80%).
Net income for the quarter rose 22% from a year earlier, to $1.1 million. Paper losses on its bond portfolio are shrinking: unrealized losses of $2.7 million equal 8% of Tier 1 capital, down from 15% a year earlier.
As of June 30, 2026, The Farmers State Bank of Waupaca reported a return on assets of 1.53%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Of the 153 banks headquartered in Wisconsin, The Farmers State Bank of Waupaca is the 103rd largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 1.3% to $279.5M, loans rose 3.0% and deposits rose 0.8%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 55.7% of total loans, ahead of owner-occupied commercial real estate loans at 16.1%. Its 3 offices in the FDIC Summary of Deposits are in Waupaca, WI, Wild Rose, WI and Fremont, WI; its Waupaca office books 72% of its branch deposits. On its Q2 2026 call report, The Farmers State Bank of Waupaca meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 112 W Fulton St, Waupaca, WI 54981
- County
- Waupaca
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 11, 1911
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 40
- Domestic deposits
- $244.1M
- Allowance for credit losses
- $2.2M
- Net charge-offs (YTD)
- -$8K
- Average total assets
- $278.3M
- Average total loans
- $170.7M
- Average interest-bearing deposits
- $179.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- September 17, 1935
- FDIC Cert
- 13033
- Fed RSSD
- 879747
- Website
- www.fsbwaupaca.com →
- Parent Holding Company
- FARMERS STATE BANCORPORATION, INC. (RSSD 1209284)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, The Farmers State Bank of Waupaca reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, The Farmers State Bank of Waupaca's total assets ranged from $244.8M (Q2 2024) to $279.5M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$279.5M total assets against $256.3M; $249.4M total liabilities against $228.9M.
$170.8M net loans and leases against $158.6M; $244.1M total deposits against $223.8M.
$62.3M securities against $63.3M; $32.0M cash and balances due against $19.8M.
$3.5M total interest income against $3.2M; $752K total interest expense against $776K.
$2.7M net interest income against $2.4M.
$317K total noninterest income against $310K; $1.8M total noninterest expense against $1.7M.
-$2K provision for credit losses against $2K.
$1.1M net income against $876K.
1.53% return on assets against 1.37%; 4.28% net interest margin against 4.13%.
11.57% tier 1 leverage ratio against 12.14%.
Inside the full The Farmers State Bank of Waupaca terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Farmers State Bank of Waupaca rankings
Its closest position to the top of a national ranking is 1,248 of 3,611, for ROA; its furthest is 3,486 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.95% (Q4 2025) to 1.53% (Q2 2026) and its net interest margin ran from 3.90% (Q3 2024) to 4.28% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.57% | 1.53% | 0.00% | 0.00% | 4.28% |
| Q1 2026 | 10.96% | 1.45% | 0.01% | 0.06% | 4.08% |
| Q4 2025 | 11.01% | 0.95% | 0.01% | 0.04% | 4.20% |
| Q3 2025 | 12.02% | 1.33% | 0.03% | 0.15% | 4.18% |
| Q2 2025 | 12.14% | 1.37% | 0.09% | 0.50% | 4.13% |
| Q1 2025 | 11.40% | 1.36% | 0.20% | 1.11% | 4.01% |
| Q4 2024 | 11.30% | 1.33% | 0.11% | 0.61% | 4.05% |
| Q3 2024 | 12.18% | 1.21% | 0.20% | 1.00% | 3.90% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The Farmers State Bank of Waupaca | Waupaca , WI | 54981 | $176.5M |
| Wild Rose Branch | Wild Rose , WI | 54984 | $41.6M |
| Fremont Branch | Fremont , WI | 54940 | $26.0M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in WI, rank 110 of 185 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 7 loans, $948K approved, $135K average. 14.29% of that year's loans have since been charged off
- Period: Federal fiscal year 2001 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about The Farmers State Bank of Waupaca
What are The Farmers State Bank of Waupaca's total assets?
As of the Q2 2026 filing, The Farmers State Bank of Waupaca reported total assets of $279.5 million in its FFIEC call report.
Where is The Farmers State Bank of Waupaca headquartered?
It is headquartered in Waupaca, WI, United States.
When was The Farmers State Bank of Waupaca founded?
It was established in 1911, per the FDIC institution directory.
Is The Farmers State Bank of Waupaca FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #13033). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Farmers State Bank of Waupaca?
The Farmers State Bank of Waupaca's primary federal regulator is the Federal Reserve.
How many branches does The Farmers State Bank of Waupaca operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Farmers State Bank of Waupaca's Texas Ratio?
Its Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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