Waumandee State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Waumandee State Bank of Waumandee, WI against its peer group of 2672 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 | 1.25% | 1.35% | -0.10% | 49th below |
| ROAE | 11.41% | 12.05% | -0.64% | 44th below |
| Net Interest Margin | 4.28% | 3.90% | +0.38% | 69th above |
| Efficiency Ratio | 59.33% | 63.15% | -3.82% | 56th above |
| PPNR / Avg Assets | 1.72% | 1.64% | +0.08% | 58th above |
| Yield on Earning Assets | 6.01% | 5.65% | +0.36% | 69th above |
| Cost of Funds | 1.93% | 1.85% | +0.08% | 42nd below |
| Net Interest Spread | 3.63% | 3.35% | +0.28% | 67th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.94% | 0.92% | +0.02% | 30th below |
| NPA / Total Assets | 0.88% | 0.67% | +0.21% | 23rd bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.15% | -0.14% | 43rd below |
| ACL / Total Loans | 1.15% | 1.28% | -0.13% | 43rd below |
| ACL / NPLs (Coverage) | 121.89% | 1645.79% | -1523.90% | 34th below |
| Texas Ratio | 9.28% | 7.15% | +2.13% | 24th bottom |
| Provision / NCO | 30000.00% | 1171.79% | +28828.21% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.75% | 20.83% | -7.08% | 36th below |
| Tier 1 Ratio | 13.75% | 20.87% | -7.12% | 36th below |
| Total Capital Ratio | 15.00% | 21.94% | -6.94% | 37th below |
| Leverage Ratio | 9.39% | 12.46% | -3.07% | 19th bottom |
| Equity / Assets Behind the peer average, ahead of the median peer. | 11.09% | 11.67% | -0.58% | 61st above |
| TCE / Tangible Assets | 8.85% | 11.40% | -2.55% | 29th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 84.21% | 78.64% | +5.57% | 42nd below |
| Core Deposit Ratio | 92.88% | 87.09% | +5.79% | 73rd above |
| Wholesale Funding Ratio | 1.01% | 5.12% | -4.11% | 81st top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.23% | 6.48% | -5.25% | 27th below |
| Loan Growth (Y/Y) | -2.91% | 7.64% | -10.55% | 12th bottom |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.13% | 6.02% | -1.89% | 51st above |
See Waumandee State Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Waumandee 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 Waumandee State Bank profile, how to read a UBPR, or how this data updates.