The First National Bank of Wakefield
Total assets
$52.6M
▼ -2.3% YoY
Deposits
$47.7M
▼ -2.9% YoY
Loans
$21.5M
▲ +2.4% YoY
Offices
2
WAKEFIELD BCORP INC
ROA (annualized)
0.65%
peers 0.99%
ROE (annualized)
7.12%
peers 8.07%
Peer comparison 537 banks with <100M in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.3% | +3.0% | -5.3 pts |
| Deposit growth (YoY) | -2.9% | +2.5% | -5.4 pts |
| Loan growth (YoY) | +2.4% | +2.6% | -0.3 pts |
| ROA | 0.65% | 0.99% | -0.3 pts |
| ROE | 7.1% | 8.1% | -1.0 pts |
ROA ranks in the 33rd percentile of its peer group · Q2 2026
Profile
- Established
- 1910
- Charter
- OCC
- Primary regulator
- OCC
- Holding company
- WAKEFIELD BCORP INC
- Specialization
- All Other Under 1 Billion
- Address
- 401 Sunday Lake St, Wakefield, MI, 49968
- County
- Gogebic
- Offices
- 2
- FDIC cert #
- 5076
- RSSD ID
- 292850
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $52.6M | $47.7M | $21.5M | $4.8M | $172K | 0.65% | 4.28% | 0.38% |
| Q1 2026 | $53.3M | $48.4M | $20.9M | $4.8M | $82K | 0.62% | 4.24% | 0.50% |
| Q4 2025 | $53.0M | $46.9M | $20.9M | $4.9M | $303K | 0.57% | 4.08% | 0.45% |
| Q3 2025 | $54.2M | $49.3M | $20.6M | $4.8M | $260K | 0.65% | 3.99% | 0.49% |
| Q2 2025 | $53.9M | $49.1M | $21.0M | $4.6M | $168K | 0.63% | 3.94% | 0.38% |
| Q1 2025 | $53.4M | $48.7M | $21.2M | $4.5M | $81K | 0.61% | 3.91% | 0.16% |
| Q4 2024 | $53.4M | $49.0M | $21.5M | $4.3M | $258K | 0.47% | 3.66% | 0.37% |
| Q3 2024 | $55.5M | $50.9M | $22.1M | $4.5M | $211K | 0.51% | 3.61% | 0.45% |
Loan mix (Q2 2026): real estate $14.0M · commercial $1.0M · consumer $6.2M · securities $26.1M
Ratio pack Q2 2026 · peer medians from 537 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.65% | 0.99% | 33th | |
Return on equity Annualized net income ÷ equity or net worth | 7.1% | 8.1% | 44th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.28% | 3.88% | 65th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.7% | 70.8% | 74th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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