Waumandee State Bank
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Data as of · sourced from FFIEC call reports. How we update
Waumandee State Bank is an FDIC-insured commercial bank headquartered in Waumandee, WI, established in 1914 (FDIC certificate 10384), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $345.5M, up 1.2% from Q2 2025, the 85th largest of 153 banks headquartered in Wisconsin. Its CET1 capital ratio was 13.75% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 10384
- Headquarters
- Waumandee, WI
- Established
- 1914
- Total assets, Q2 2026
- $345.5M
- Assets vs Q2 2025
- +1.2%
- CET1 ratio, Q2 2026
- 13.75%
- Domestic offices
- 8 FDIC institution directory, current count
- Routing number
- 091808347
- Holding company
- WAUMANDEE BANCSHARES, LTD.
- Asset rank in state
- 85th of 153 in Wisconsin
Waumandee State Bank, based in Waumandee, Wisconsin, reported $345 million in assets at June 30, 2026, up 1.2% from a year earlier. It shrank its loan book 2.9% over the year, lower than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 5.5%). It also funds 9.39% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.60% of loans from 1.78%. Earnings jumped: net income for the quarter was $1.1 million, 42% above the same quarter a year earlier.
As of June 30, 2026, Waumandee State Bank reported a CET1 capital ratio of 13.75%, a return on assets of 1.25%, a nonperforming-loan ratio of 0.60% and a Texas ratio of 6.64%. The figures come from its call report filed with the FFIEC.
Of the 153 banks headquartered in Wisconsin, Waumandee State Bank is the 85th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 1.5% to $345.5M, loans rose 2.4% and deposits fell 0.8%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 36.7% of total loans, ahead of farmland and other real estate loans at 13.4%. Its 8 offices in the FDIC Summary of Deposits are in 8 cities in WI; its Blair office books 19% of its branch deposits. By the capital ratios in its Q2 2026 call report, Waumandee State Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- S2021 County Road U, Waumandee, WI 54622
- County
- Buffalo
- 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 9, Minneapolis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1914
- Domestic offices
- 8 FDIC institution directory, current count
- Employees (FTE)
- 72
- Domestic deposits
- $301.2M
- Allowance for credit losses
- $2.9M
- Net charge-offs (YTD)
- $1K
- Average total assets
- $347.8M
- Average total loans
- $252.0M
- Average interest-bearing deposits
- $224.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 10384
- Fed RSSD
- 780955
- SEC CIK
- 1100440 → filed by WAUMANDEE BANCSHARES, LTD.
- Website
- http://www.waumandeebank.com →
- Parent Holding Company
- WAUMANDEE BANCSHARES, LTD. (RSSD 2892067)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
Waumandee State Bank's total assets moved between a low of $329.0M (Q3 2023) and a high of $350.6M (Q1 2026) from Q3 2023 to Q2 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
$345.5M total assets against $341.3M; $307.2M total liabilities against $304.2M.
$250.7M net loans and leases against $258.5M; $301.2M total deposits against $289.2M.
$52.4M securities against $51.6M; $23.1M cash and balances due against $12.5M.
$4.9M total interest income against $4.8M; $1.4M total interest expense against $1.6M.
$3.5M net interest income against $3.2M.
$316K total noninterest income against $292K; $2.3M total noninterest expense against $2.4M.
$150K provision for credit losses against $120K.
$1.1M net income against $767K.
1.25% return on assets against 0.90%; 4.28% net interest margin against 3.96%.
13.75% CET1 capital ratio against 12.36%; 9.39% tier 1 leverage ratio against 9.25%.
Inside the full Waumandee State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWaumandee State Bank rankings
Its closest position to the top of a national ranking is 1,014 of 3,640, for Texas Ratio; its furthest is 1,185 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.58% (Q1 2025) to 2.41% (Q4 2025) and its net interest margin ran from 3.74% (Q3 2024) to 4.36% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.75% | 1.25% | 0.60% | 6.64% | 4.28% |
| Q1 2026 | 13.68% | 1.06% | 0.79% | 8.05% | 4.14% |
| Q4 2025 | 13.11% | 2.41% | 0.75% | 8.04% | 4.36% |
| Q3 2025 | 12.40% | 0.92% | 1.40% | 12.51% | 4.08% |
| Q2 2025 | 12.36% | 0.90% | 1.78% | 14.95% | 3.96% |
| Q1 2025 | 12.16% | 0.58% | 0.84% | 7.23% | 3.85% |
| Q4 2024 | 12.08% | 0.92% | 0.73% | 6.31% | 3.91% |
| Q3 2024 | 11.81% | 0.72% | 0.55% | 4.74% | 3.74% |
Swipe the table sideways to see every column.
Branch Network
View all 8 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 |
|---|---|---|---|
| Union Bank of Blair Branch | Blair , WI | 54616 | $57.2M |
| Arcadia Branch | Arcadia , WI | 54612 | $54.0M |
| Waumandee State Bank (main office) | Waumandee , WI | 54622 | $42.5M |
| Whitehall Branch | Whitehall , WI | 54773 | $35.9M |
| Durand Branch | Durand , WI | 54736 | $35.8M |
| Fountain City Branch | Fountain City , WI | 54629 | $32.4M |
| Mondovi Branch | Mondovi , WI | 54755 | $23.4M |
| Black River Falls Branch | Black River Falls , WI | 54615 | $20.1M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| August 8, 2020 | Structure Change | Acquired Union Bank of Blair Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 7, 2020 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 10, 2004 | Structure Change | Acquired First State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 9, 2004 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in WI, rank 93 of 185 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $195K approved, $195K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2014 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 Waumandee State Bank
What are Waumandee State Bank's total assets?
As of the Q2 2026 filing, Waumandee State Bank reported total assets of $345.5 million in its FFIEC call report.
Where is Waumandee State Bank headquartered?
It is headquartered in Waumandee, WI, United States.
When was Waumandee State Bank founded?
It was established in 1914, per the FDIC institution directory.
Is Waumandee State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #10384). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Waumandee State Bank?
Waumandee State Bank's primary federal regulator is the FDIC.
What is Waumandee State Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.75% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Waumandee State Bank operate?
It operates 8 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Waumandee State Bank's Texas Ratio?
Its Texas Ratio is 6.64% 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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