The Farmers State Bank of Waupaca: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Securities to assets dropped 1.14 percentage points in Q3 2026, from 22.31% to 21.16%. It was the largest change from Q2 2026 among the key lines here. Within Wisconsin, The Farmers State Bank of Waupaca is 42nd of 153 on return on assets, 1.62% as of Q3 2026, above the middle of the field. The Farmers State Bank of Waupaca reported 1.62% on return on assets for Q3 2026, 0.36 points above the 1.25% median for banks in the $100M-1B asset tier; the peer median is as of Q2 2026.
Capital adequacy
| Line item | Q3 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.70% |
| Equity capital to assets | 10.31% |
| Tangible equity to tangible assets | 10.31% |
Asset quality
| Line item | Q3 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 1.25% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q3 2026 |
|---|---|
| Return on assets | 1.62% |
| Return on equity | 15.64% |
| Net interest margin | 4.46% |
| Efficiency ratio | 56.71% |
| Yield on earning assets | 5.56% |
| Cost of funds | 1.21% |
Liquidity and funding
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 71.57% |
| Core deposits to total deposits | 94.30% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 87.64% |
| Securities to assets | 21.16% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q4 2023 | 11.24% | 1.02% | 3.98% | 0.07% | -0.02% |
| Q1 2024 | 11.39% | 1.26% | 3.83% | 0.23% | -0.01% |
| Q2 2024 | 11.98% | 1.22% | 3.84% | 0.18% | -0.01% |
| Q3 2024 | 12.18% | 1.21% | 3.90% | 0.20% | 0.07% |
| Q4 2024 | 11.30% | 1.33% | 4.05% | 0.11% | -0.11% |
| Q1 2025 | 11.40% | 1.36% | 4.01% | 0.20% | -0.10% |
| Q2 2025 | 12.14% | 1.37% | 4.13% | 0.09% | 0.01% |
| Q3 2025 | 12.02% | 1.33% | 4.18% | 0.03% | -0.02% |
| Q4 2025 | 11.01% | 0.95% | 4.20% | 0.01% | -0.01% |
| Q1 2026 | 10.96% | 1.45% | 4.08% | 0.01% | -0.02% |
| Q2 2026 | 11.57% | 1.53% | 4.28% | 0.00% | 0.00% |
| Q3 2026 | 11.70% | 1.62% | 4.46% | 0.00% | -0.01% |
The Farmers State Bank of Waupaca vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Farmers State Bank of Waupaca, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The Farmers State Bank of Waupaca profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13033) · FFIEC NIC profile (RSSD 879747)