Waldo State Bank: 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.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 4.16 percentage points lower than in Q1 2026, at 31.01%. Within Wisconsin, Waldo State Bank is 135th of 153 on return on assets, 0.70% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Waldo State Bank sits 0.55 points lower, at 0.70% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.28% |
| Equity capital to assets | 9.82% |
| Tangible equity to tangible assets | 9.82% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.60% |
| Non-performing assets ratio | 1.99% |
| Net charge-off ratio | -0.00% |
| Texas ratio | 19.57% |
| Allowance for credit losses to loans | 0.81% |
| Reserve coverage of non-performing loans | 31.01% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.70% |
| Return on equity | 7.27% |
| Net interest margin | 3.54% |
| Efficiency ratio | 74.82% |
| Yield on earning assets | 6.05% |
| Cost of funds | 2.65% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 92.82% |
| Core deposits to total deposits | 84.07% |
| Brokered deposits to total deposits | 6.87% |
| Deposits to assets | 82.61% |
| Securities to assets | 12.97% |
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 |
|---|---|---|---|---|---|
| Q3 2023 | 11.58% | 0.53% | 3.07% | 0.48% | -0.01% |
| Q4 2023 | 10.82% | -0.27% | 3.13% | 0.45% | -0.01% |
| Q1 2024 | 10.71% | 0.50% | 3.05% | 0.51% | -0.00% |
| Q2 2024 | 10.87% | 0.72% | 3.33% | 0.77% | -0.01% |
| Q3 2024 | 10.69% | 0.80% | 3.33% | 0.83% | -0.01% |
| Q4 2024 | 10.33% | 1.17% | 3.55% | 1.10% | 0.01% |
| Q1 2025 | 10.00% | 0.97% | 3.53% | 0.83% | -0.01% |
| Q2 2025 | 9.74% | 0.55% | 3.31% | 1.65% | -0.01% |
| Q3 2025 | 10.01% | 0.80% | 3.26% | 2.61% | -0.01% |
| Q4 2025 | 10.03% | 0.40% | 3.37% | 2.38% | 0.92% |
| Q1 2026 | 10.20% | 0.65% | 3.48% | 2.18% | -0.01% |
| Q2 2026 | 10.28% | 0.70% | 3.54% | 2.60% | -0.00% |
Waldo State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Waldo State Bank, 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 Waldo State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8700) · FFIEC NIC profile (RSSD 131940)