| Metric | Waumandee State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.2% | +4.4% | -3.1 pts |
| Deposit growth (YoY) | +4.1% | +4.0% | +0.2 pts |
| Loan growth (YoY) | -3.0% | +5.6% | -8.6 pts |
| ROA | 1.16% | 1.24% | -0.1 pts |
| ROE | 10.6% | 11.9% | -1.3 pts |
ROA ranks in the 46th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $345.5M | $301.2M | $250.7M | $38.3M | $2.0M | 1.16% | 4.23% | 0.63% |
| Q1 2026 | $350.6M | $303.5M | $245.0M | $38.1M | $931K | 1.06% | 4.15% | 0.74% |
| Q4 2025 | $350.6M | $300.3M | $259.1M | $38.4M | $4.2M | 1.21% | 4.14% | 0.74% |
| Q3 2025 | $342.3M | $289.5M | $262.1M | $37.6M | $2.0M | 0.80% | 4.04% | 1.15% |
| Q2 2025 | $341.3M | $289.2M | $258.5M | $37.1M | $1.3M | 0.74% | 3.94% | 1.36% |
| Q1 2025 | $338.4M | $288.1M | $254.4M | $36.0M | $491K | 0.58% | 3.88% | 0.64% |
| Q4 2024 | $340.2M | $281.5M | $256.2M | $36.2M | $2.3M | 0.68% | 3.72% | 0.56% |
| Q3 2024 | $331.1M | $276.5M | $252.5M | $35.9M | $1.5M | 0.61% | 3.65% | 0.43% |
Loan mix (Q2 2026): real estate $186.5M · commercial $23.4M · consumer $7.7M · securities $52.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Waumandee State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.16% | 1.24% | 46th | |
Return on equity Annualized net income ÷ equity or net worth | 10.6% | 11.9% | 42th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.23% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
66th |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.0% | 62.9% | 47th |
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 | Waumandee 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 | Waumandee 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 | Waumandee 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 | Waumandee 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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