Waukesha State Bank
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Data as of · sourced from FFIEC call reports. How we update
Waukesha State Bank is an FDIC-insured commercial bank headquartered in Waukesha, WI, established in 1944 (FDIC certificate 16160), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.62B, up 5.4% from Q2 2025, the 19th largest of 153 banks headquartered in Wisconsin. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.51% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 16160
- Headquarters
- Waukesha, WI
- Established
- 1944
- Total assets, Q2 2026
- $1.62B
- Assets vs Q2 2025
- +5.4%
- Tier 1 leverage ratio, Q2 2026
- 11.51%
- Domestic offices
- 15 FDIC institution directory, current count
- Routing number
- 075901341
- Latest call report
- Q2 2026, FFIEC 051 · Waukesha State Bank call report
- Holding company
- BANK STREET CAPITAL CORPORATION
- Asset rank in state
- 19th of 153 in Wisconsin
Waukesha State Bank is one of the more profitable banks of its size. The Waukesha, Wisconsin bank had $1.6 billion in assets at June 30, 2026, up 5.4% from a year earlier. It earns about $2.73 a year on every $100 of assets, about double the median of $1.29 for the 895 banks with $1 billion to $10 billion in assets. It also pays an average of 1.09% on its deposits and borrowings, about half the median of 2.01% for banks its size. A wide margin does most of the work: it keeps 4.55 cents of net interest income on every dollar of earning assets.
Delinquency has appeared in its $130 million multifamily book: 3.40% of those loans are past due or on nonaccrual, against almost none a year earlier. Loans are outrunning deposits: over the year loans rose 7.4% and deposits rose 1.9%.
As of June 30, 2026, Waukesha State Bank reported a return on assets of 2.73%, a nonperforming-loan ratio of 0.25% and a Texas ratio of 1.39%. The figures come from its call report filed with the FFIEC.
Of the 153 banks headquartered in Wisconsin, Waukesha State Bank is the 19th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 0.5% to $1.62B, loans fell 0.9% and deposits rose 1.7%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 39.3% of total loans, ahead of construction and land development loans at 16.5%. Its 15 offices in the FDIC Summary of Deposits are in 10 cities in WI; its Waukesha 5 offices book 62% of its branch deposits. Judged on its Q2 2026 call report, Waukesha State Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 151 E Saint Paul Ave, Waukesha, WI 53188
- County
- Waukesha
- Metro Area
- Milwaukee-Waukesha, WI
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- June 15, 1944
- Domestic offices
- 15 FDIC institution directory, current count
- Employees (FTE)
- 337
- Domestic deposits
- $1.29B
- Allowance for credit losses
- $11.4M
- Net charge-offs (YTD)
- $82K
- Average total assets
- $1.62B
- Average total loans
- $1.22B
- Average interest-bearing deposits
- $1.24B
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- June 15, 1944
- FDIC Cert
- 16160
- Fed RSSD
- 290249
- Website
- WWW.WAUKESHABANK.COM →
- Parent Holding Company
- BANK STREET CAPITAL CORPORATION (RSSD 5149043)
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, Waukesha State Bank 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, Waukesha State Bank's total assets ranged from $1.46B (Q2 2024) to $1.63B (Q1 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
$1.62B total assets against $1.54B; $1.45B total liabilities against $1.37B.
$1.20B net loans and leases against $1.12B; $1.29B total deposits against $1.26B.
$270.2M securities against $292.3M; $39.3M cash and balances due against $33.6M.
$22.3M total interest income against $20.1M; $4.9M total interest expense against $5.2M.
$17.4M net interest income against $14.9M.
$6.2M total noninterest income against $5.9M; $12.1M total noninterest expense against $11.1M.
$452K provision for credit losses against $83K.
$11.1M net income against $9.7M.
2.73% return on assets against 2.51%; 4.55% net interest margin against 4.10%.
11.51% tier 1 leverage ratio against 11.87%.
Inside the full Waukesha State Bank 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.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Waukesha State Bank rankings
Its closest position to the top of a national ranking is 112 of 3,611, for ROA; its furthest is 2,512 of 3,640, for Texas Ratio.
Metric pages for Waukesha State Bank: ROA.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.92% (Q4 2025) to 2.73% (Q2 2026) and its net interest margin ran from 3.87% (Q3 2024) to 4.55% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.51% | 2.73% | 0.25% | 1.39% | 4.55% |
| Q1 2026 | 10.69% | 1.98% | 0.58% | 3.38% | 4.09% |
| Q4 2025 | 11.92% | 0.92% | 0.51% | 3.04% | 4.34% |
| Q3 2025 | 11.91% | 1.75% | 0.36% | 1.68% | 4.18% |
| Q2 2025 | 11.87% | 2.51% | 0.38% | 1.64% | 4.10% |
| Q1 2025 | 11.40% | 1.62% | 0.59% | 2.49% | 3.93% |
| Q4 2024 | 11.89% | 1.37% | 0.68% | 2.95% | 4.00% |
| Q3 2024 | 12.13% | 1.67% | 0.42% | 1.78% | 3.87% |
Swipe the table sideways to see every column.
Branch Network
View all 15 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 |
|---|---|---|---|
| Waukesha State Bank (main office) | Waukesha , WI | 53188 | $548.3M |
| West Sunset Drive Office | Waukesha , WI | 53189 | $91.0M |
| Pewaukee Branch | Pewaukee , WI | 53072 | $81.0M |
| Brookfield Wi Branch | Brookfield , WI | 53045 | $66.9M |
| Oconomowoc Branch | Oconomowoc , WI | 53066 | $64.6M |
| East Main Street Branch | Waukesha , WI | 53186 | $64.5M |
| Delafield Branch | Delafield , WI | 53018 | $64.4M |
| Sussex Branch | Sussex , WI | 53089 | $60.5M |
| East Racine Avenue Branch | Waukesha , WI | 53186 | $54.8M |
| Muskego Branch | Muskego , WI | 53150 | $52.5M |
| Meadowbrook Road Branch | Waukesha , WI | 53188 | $39.5M |
| Mukwonago Branch | Mukwonago , WI | 53149 | $37.8M |
| New Berlin Wi Branch | New Berlin , WI | 53151 | $35.5M |
| Menomonee Falls Office Branch | Menomonee Falls , WI | 53051 | $27.7M |
| Prairie Trust Branch | Pewaukee , WI | 53188 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.6% of deposits in WI, rank 22 of 185 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 918 applications, 745 loans originated, $294.4M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 20 loans, $12.3M approved, $616K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 Waukesha State Bank
What are Waukesha State Bank's total assets?
As of the Q2 2026 filing, Waukesha State Bank reported total assets of $1.62 billion in its FFIEC call report.
Where is Waukesha State Bank headquartered?
It is headquartered in Waukesha, WI, United States.
When was Waukesha State Bank founded?
It was established in 1944, per the FDIC institution directory.
Is Waukesha State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #16160). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Waukesha State Bank?
Waukesha State Bank's primary federal regulator is the FDIC.
How many branches does Waukesha State Bank operate?
It operates 15 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Waukesha State Bank's Texas Ratio?
Its Texas Ratio is 1.39% 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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