Waukesha State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Waukesha State Bank of Waukesha, WI against its peer group of 931 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 | 2.73% | 1.43% | +1.30% | 97th top |
| ROAE | 25.54% | 12.49% | +13.05% | 96th top |
| Net Interest Margin | 4.55% | 3.84% | +0.71% | 89th top |
| Efficiency Ratio | 51.39% | 58.88% | -7.49% | 72nd above |
| PPNR / Avg Assets | 2.81% | 1.78% | +1.03% | 93rd top |
| Yield on Earning Assets | 5.83% | 5.71% | +0.12% | 67th above |
| Cost of Funds | 1.09% | 2.03% | -0.94% | 93rd top |
| Net Interest Spread | 3.98% | 3.18% | +0.80% | 91st top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.27% | 0.96% | -0.69% | 75th top |
| NPA / Total Assets | 0.20% | 0.75% | -0.55% | 76th top |
| NCO / Avg Loans | 0.02% | 0.31% | -0.29% | 56th above |
| ACL / Total Loans | 0.94% | 1.25% | -0.31% | 23rd bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 344.70% | 699.23% | -354.53% | 74th above |
| Texas Ratio | 1.75% | 7.17% | -5.42% | 80th top |
| Provision / NCO Behind the peer average, ahead of the median peer. | 709.76% | 814.66% | -104.90% | 82nd top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.51% | 11.60% | -0.09% | 70th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.94% | 11.33% | -0.39% | 59th above |
| TCE / Tangible Assets | 10.94% | 10.65% | +0.29% | 70th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 94.04% | 86.34% | +7.70% | 33rd below |
| Core Deposit Ratio | 95.26% | 85.55% | +9.71% | 86th top |
| Uninsured Deposit Ratio | 30.10% | 32.71% | -2.61% | 54th above |
| Wholesale Funding Ratio | 9.16% | 5.45% | +3.71% | 19th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.45% | 10.46% | -5.01% | 51st above |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 7.43% | 7.99% | -0.56% | 61st above |
| Deposit Growth (Y/Y) | 1.89% | 7.99% | -6.10% | 29th below |
See Waukesha State Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Waukesha 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 Waukesha State Bank profile, how to read a UBPR, or how this data updates.