| Metric | Waukesha State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.5% | +5.5% | -0.0 pts |
| Deposit growth (YoY) | +1.9% | +5.1% | -3.2 pts |
| Loan growth (YoY) | +7.3% | +5.9% | +1.4 pts |
| ROA | 2.38% | 1.26% | +1.1 pts |
| ROE | 21.9% | 12.2% | +9.7 pts |
ROA ranks in the 95th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.62B | $1.29B | $1.20B | $177.7M | $19.3M | 2.38% | 4.46% | 0.18% |
| Q1 2026 | $1.63B | $1.27B | $1.21B | $169.1M | $8.2M | 2.03% | 4.26% | 0.43% |
| Q4 2025 | $1.60B | $1.26B | $1.18B | $182.3M | $26.3M | 1.70% | 4.22% | 0.38% |
| Q3 2025 | $1.55B | $1.27B | $1.14B | $179.1M | $22.7M | 1.97% | 4.17% | 0.27% |
| Q2 2025 | $1.54B | $1.26B | $1.12B | $171.7M | $15.9M | 2.08% | 4.12% | 0.28% |
| Q1 2025 | $1.53B | $1.24B | $1.12B | $164.0M | $6.2M | 1.63% | 4.06% | 0.43% |
| Q4 2024 | $1.51B | $1.20B | $1.10B | $162.3M | $24.0M | 1.62% | 3.89% | 0.50% |
| Q3 2024 | $1.48B | $1.22B | $1.07B | $169.6M | $18.9M | 1.70% | 3.83% | 0.31% |
Loan mix (Q2 2026): real estate $1.07B · commercial $111.4M · consumer $7.7M · securities $270.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Waukesha State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.38% | 1.26% | 95th | |
Return on equity Annualized net income ÷ equity or net worth | 21.9% | 12.2% | 93th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.46% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 55.6% | 59.0% | 40th |
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% |
| Ratio | Waukesha State Bank | 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% |
| Ratio | Waukesha State Bank | 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% |
| Ratio | Waukesha State Bank | 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% |
| Ratio | Waukesha State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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