Westbury Bank
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Data as of · sourced from FFIEC call reports. How we update
Westbury Bank is an FDIC-insured commercial bank headquartered in Waukesha, WI, established in 1926 (FDIC certificate 28400), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $771.9M, down 4.2% from Q2 2025, the 41st largest of 153 banks headquartered in Wisconsin. Its CET1 capital ratio was 11.76% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 28400
- Headquarters
- Waukesha, WI
- Established
- 1926
- Total assets, Q2 2026
- $771.9M
- Assets vs Q2 2025
- -4.2%
- CET1 ratio, Q2 2026
- 11.76%
- Domestic offices
- 9 FDIC institution directory, current count
- Routing number
- 275971825
- Latest call report
- Q2 2026, FFIEC 041 · Westbury Bank call report
- Holding company
- WESTBURY BANCORP, INC.
- Asset rank in state
- 41st of 153 in Wisconsin
Westbury Bank, based in Waukesha, Wisconsin, reported $772 million in assets at June 30, 2026, down 4.2% from a year earlier. It pays an average of 0.61% on its deposits and borrowings, about a third the median of 1.80% for the 2,660 banks with $100 million to $1 billion in assets. On the other hand, it holds commercial real estate loans worth 3.4 times its capital, about triple the median of 1.2 times for banks its size.
Net income for the quarter slipped 21% from a year earlier, to $1.7 million. Where it has less room is capital: it holds common equity equal to 11.76% of its risk-weighted assets, lower than about three-quarters of banks its size (median 15.12%).
As of June 30, 2026, Westbury Bank reported a CET1 capital ratio of 11.76%, a return on assets of 0.88%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Westbury Bank is the 41st largest of the 153 banks headquartered in Wisconsin. From Q1 2026 to Q2 2026, its total assets fell 1.1% to $771.9M, loans rose 4.2% and deposits fell 1.2%. Its loan book on June 30, 2026 was led by multifamily loans, at 30.4% of total loans, followed by 1-4 family residential loans at 22.6%. Its 9 offices in the FDIC Summary of Deposits are in 8 cities in WI; its West Bend 2 offices book 25% of its branch deposits. On its Q2 2026 call report, Westbury Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- N16w23250 Stone Ridge Dr, 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
- —
- Call Report form
- FFIEC 041
- Established
- January 1, 1926
- Former names
- West Bend Savings Bank (1993-2009); West Bend Savings Bank, S.A. (1991-1993)
- Domestic offices
- 9 FDIC institution directory, current count
- Employees (FTE)
- 115
- Domestic deposits
- $698.0M
- Allowance for credit losses
- $5.9M
- Net charge-offs (YTD)
- $73K
- Average total assets
- $778.9M
- Average total loans
- $538.6M
- Average interest-bearing deposits
- $472.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 28400
- Fed RSSD
- 524971
- SEC CIK
- 1553326 → filed by WESTBURY BANCORP, INC.
- Website
- westburybankwi.com →
- Parent Holding Company
- WESTBURY BANCORP, INC. (RSSD 4472249)
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
From Q3 2023 to Q2 2026, Westbury Bank's total assets ranged from $771.9M (Q2 2026) to $864.2M (Q3 2023), 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
$771.9M total assets against $806.1M; $707.4M total liabilities against $734.9M.
$543.4M net loans and leases against $575.3M; $698.0M total deposits against $724.9M.
$95.8M securities against $97.6M; $90.4M cash and balances due against $90.7M.
$8.6M total interest income against $8.8M; $1.1M total interest expense against $1.4M.
$7.6M net interest income against $7.4M.
$1.3M total noninterest income against $1.1M; $6.7M total noninterest expense against $5.8M.
$0 provision for credit losses against $0.
$1.7M net income against $2.1M.
0.88% return on assets against 1.05%; 4.09% net interest margin against 3.86%.
11.76% CET1 capital ratio against 12.52%; 9.20% tier 1 leverage ratio against 9.84%.
Inside the full Westbury 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 exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Westbury Bank rankings
Its closest position to the top of a national ranking is 1,283 of 4,196, for total assets; its furthest is 3,381 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.72% (Q1 2026) to 1.05% (Q2 2025) and its net interest margin ran from 3.57% (Q3 2024) to 4.16% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.76% | 0.88% | 0.00% | 0.00% | 4.09% |
| Q1 2026 | 12.33% | 0.72% | 0.00% | 0.00% | 4.04% |
| Q4 2025 | 11.61% | 0.78% | 0.00% | 0.00% | 4.16% |
| Q3 2025 | 12.74% | 0.96% | 0.00% | 0.00% | 3.86% |
| Q2 2025 | 12.52% | 1.05% | 0.00% | 0.00% | 3.86% |
| Q1 2025 | 14.37% | 0.96% | 0.02% | 0.13% | 3.73% |
| Q4 2024 | 13.95% | 1.05% | 0.02% | 0.14% | 3.76% |
| Q3 2024 | 13.61% | 1.02% | 0.52% | 3.85% | 3.57% |
Swipe the table sideways to see every column.
Branch Network
View all 9 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 |
|---|---|---|---|
| Westbury Bank (main office) | Waukesha , WI | 53188 | $155.6M |
| Westbury Bank Branch | West Bend , WI | 53095 | $103.8M |
| Kewaskum Branch | Kewaskum , WI | 53040 | $97.1M |
| Slinger - Seven Hills Branch | Slinger , WI | 53086 | $73.0M |
| West Washington Branch | West Bend , WI | 53095 | $71.3M |
| Germantown Branch | Germantown , WI | 53022 | $67.0M |
| Jackson Branch | Jackson , WI | 53037 | $58.9M |
| Hartford West Branch | Hartford , WI | 53027 | $49.4M |
| W North Ave Branch | Brookfield , WI | 53005 | $21.8M |
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 |
|---|---|---|---|
| January 1, 2009 | Structure Change | Acquired Continental Savings Bank, FSB Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 31, 2008 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC)
- October 29, 2012, OCC: Formal Agreement: Westbury Bank
- Period: Most recent institution action October 29, 2012. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.3% of deposits in WI, rank 44 of 185 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 141 applications, 128 loans originated, $47.1M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $1.6M approved, $782K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2021 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- 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 Westbury Bank
What are Westbury Bank's total assets?
As of the Q2 2026 filing, Westbury Bank reported total assets of $771.9 million in its FFIEC call report.
Where is Westbury Bank headquartered?
It is headquartered in Waukesha, WI, United States.
When was Westbury Bank founded?
It was established in 1926, per the FDIC institution directory.
Is Westbury Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #28400). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Westbury Bank?
Westbury Bank's primary federal regulator is the FDIC.
What is Westbury Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.76% in its Q2 2026 call report, above regulatory requirements.
How many branches does Westbury Bank operate?
It operates 9 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Westbury Bank's Texas Ratio?
Its Texas Ratio is 0.00% 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.
What was Westbury Bank previously called?
The charter now named Westbury Bank has also operated as West Bend Savings Bank (1993-2009), West Bend Savings Bank, S.A. (1991-1993), per FDIC structure-change records.
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