Waukesha 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.
Reserve coverage of non-performing loans climbed 196.98 percentage points in Q2 2026, from 147.71% to 344.70%. It was the largest change from Q1 2026 among the key lines here. Among 153 Wisconsin banks, Waukesha State Bank sits 10th from the top on return on assets, 2.73% as of Q2 2026. Waukesha State Bank's return on assets of 2.73% is well above the 1.28% median for banks in the $1B-10B asset tier, a gap of 1.45 points (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 | 11.51% |
| Equity capital to assets | 10.94% |
| Tangible equity to tangible assets | 10.94% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.27% |
| Non-performing assets ratio | 0.20% |
| Net charge-off ratio | 0.02% |
| Texas ratio | 1.75% |
| Allowance for credit losses to loans | 0.94% |
| Reserve coverage of non-performing loans | 344.70% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.73% |
| Return on equity | 25.54% |
| Net interest margin | 4.55% |
| Efficiency ratio | 51.39% |
| Yield on earning assets | 5.83% |
| Cost of funds | 1.09% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 94.04% |
| Core deposits to total deposits | 95.26% |
| Brokered deposits to total deposits | 0.66% |
| Deposits to assets | 79.32% |
| Securities to assets | 16.63% |
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 | 11.01% | 1.57% | 3.62% | 0.38% | 0.12% |
| Q4 2023 | 11.53% | 1.28% | 3.91% | 0.44% | 0.06% |
| Q1 2024 | 11.33% | 1.14% | 3.55% | 0.37% | 0.03% |
| Q2 2024 | 11.79% | 2.25% | 3.77% | 0.57% | 0.13% |
| Q3 2024 | 12.13% | 1.67% | 3.87% | 0.49% | -0.01% |
| Q4 2024 | 11.89% | 1.37% | 4.00% | 0.69% | 0.14% |
| Q1 2025 | 11.40% | 1.62% | 3.93% | 0.60% | -0.02% |
| Q2 2025 | 11.87% | 2.51% | 4.10% | 0.42% | 0.03% |
| Q3 2025 | 11.91% | 1.75% | 4.18% | 0.40% | 0.03% |
| Q4 2025 | 11.92% | 0.92% | 4.34% | 0.54% | 0.08% |
| Q1 2026 | 10.69% | 1.98% | 4.09% | 0.61% | 0.01% |
| Q2 2026 | 11.51% | 2.73% | 4.55% | 0.27% | 0.02% |
Waukesha State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Waukesha 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 Waukesha State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16160) · FFIEC NIC profile (RSSD 290249)