First Federal Bank of Wisconsin
Also written as FFB of Wisconsin
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Data as of · sourced from FFIEC call reports. How we update
First Federal Bank of Wisconsin is an FDIC-insured savings institution headquartered in Waukesha, WI, supervised by the OCC, with $285.9M in total assets at Q2 2026, up 4.2% from Q2 2025, the 102nd largest of 153 banks headquartered in Wisconsin. It was established in 1922 and holds FDIC certificate 30422. Its CET1 capital ratio was 25.34% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Savings institution
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 30422
- Headquarters
- Waukesha, WI
- Established
- 1922
- Total assets, Q2 2026
- $285.9M
- Assets vs Q2 2025
- +4.2%
- CET1 ratio, Q2 2026
- 25.34%
- Domestic offices
- 5 · First Federal Bank of Wisconsin branches FDIC institution directory, current count
- Routing number
- 275971692
- Safety and soundness
- Is First Federal Bank of Wisconsin safe?
- Latest call report
- Q2 2026, FFIEC 051 · First Federal Bank of Wisconsin call report
- Holding company
- FFBW, INC.
- Asset rank in state
- 102nd of 153 in Wisconsin
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 2,627 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 2.7% 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 12.6% 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%. The figures come from its call report filed with the FFIEC.
First Federal Bank of Wisconsin ranks as the 102nd largest of the 153 banks based in Wisconsin, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 2.6% to $285.9M, loans rose 5.1% and deposits fell 2.7%. Its loan book on June 30, 2026 was led by non-owner-occupied commercial real estate loans, at 25.6% of total loans, followed by multifamily loans at 17.3%. The FDIC Summary of Deposits lists 5 offices for it, in Waukesha, WI, Milwaukee, WI and Brookfield, WI; its Waukesha office books 45% of its branch deposits. Judged on its Q2 2026 call report, First Federal Bank of Wisconsin meets every capital ratio test for well capitalized.
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)
- Domestic offices
- 5 FDIC institution directory, current count
- 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
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. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, First Federal Bank of Wisconsin's total assets ran between $274.4M (Q2 2025) and $326.7M (Q3 2023), 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
$285.9M total assets against $274.4M; $222.8M total liabilities against $209.7M.
$222.9M net loans and leases against $212.5M; $205.9M total deposits against $204.3M.
$28.3M securities against $31.6M; $12.1M cash and balances due against $8.6M.
$3.9M total interest income against $3.7M; $792K total interest expense against $914K.
$3.1M net interest income against $2.8M.
$268K total noninterest income against $245K; $2.5M total noninterest expense against $2.3M.
$0 provision for credit losses against $0.
$729K net income against $613K.
1.02% return on assets against 0.85%; 4.77% net interest margin against 4.26%.
25.34% CET1 capital ratio against 26.69%; 22.54% tier 1 leverage ratio against 23.08%.
Inside the full First Federal Bank of Wisconsin terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, 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
Its closest position to the top of a national ranking is 143 of 2,134, for CET1 ratio; its furthest is 3,289 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.76% (Q1 2025) to 1.32% (Q4 2025) and its net interest margin ran from 3.77% (Q3 2024) to 4.77% (Q2 2026).
| 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
View all 5 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 |
|---|---|---|---|
| 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
Facts as filed or published, not a rating.
- 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).
- Not on file
- 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 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.
Where is First Federal Bank of Wisconsin headquartered?
It is headquartered in Waukesha, WI, United States.
When was First Federal Bank of Wisconsin founded?
It was established in 1922, per the FDIC institution directory.
Is First Federal Bank of Wisconsin FDIC-insured?
Yes. It 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.
What is First Federal Bank of Wisconsin's CET1 capital ratio?
It 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?
It 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?
Its Texas Ratio is 0.05% 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.
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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