Waldo State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Waldo State Bank of Waldo, WI against its peer group of 2603 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.70% | 1.35% | -0.65% | 19th bottom |
| ROAE | 7.27% | 13.32% | -6.05% | 22nd bottom |
| Net Interest Margin | 3.54% | 3.93% | -0.39% | 29th below |
| Efficiency Ratio | 74.82% | 61.13% | +13.69% | 20th bottom |
| PPNR / Avg Assets | 0.98% | 1.68% | -0.70% | 19th bottom |
| Yield on Earning Assets | 6.05% | 5.67% | +0.38% | 70th above |
| Cost of Funds | 2.65% | 1.88% | +0.77% | 12th bottom |
| Net Interest Spread | 3.14% | 3.32% | -0.18% | 40th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.60% | 0.94% | +1.66% | 9th bottom |
| NPA / Total Assets | 1.99% | 0.70% | +1.29% | 8th bottom |
| NCO / Avg Loans | -0.00% | 0.16% | -0.16% | 80th top |
| ACL / Total Loans | 0.81% | 1.28% | -0.47% | 11th bottom |
| ACL / NPLs (Coverage) | 31.01% | 1546.37% | -1515.36% | 4th bottom |
| Texas Ratio | 19.57% | 7.34% | +12.23% | 8th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.28% | 12.14% | -1.86% | 37th below |
| Equity / Assets | 9.82% | 11.37% | -1.55% | 41st below |
| TCE / Tangible Assets | 9.82% | 11.08% | -1.26% | 46th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 92.82% | 80.66% | +12.16% | 23rd bottom |
| Core Deposit Ratio | 84.07% | 86.85% | -2.78% | 27th below |
| Wholesale Funding Ratio | 6.81% | 5.04% | +1.77% | 27th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -1.00% | 6.84% | -7.84% | 14th bottom |
| Loan Growth (Y/Y) | -2.22% | 7.92% | -10.14% | 14th bottom |
| Deposit Growth (Y/Y) | 0.97% | 6.29% | -5.32% | 29th below |
See Waldo State Bank's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Waldo State Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Waldo State Bank profile, how to read a UBPR, or how this data updates.