Westbury Bank
Total assets
$771.9M
▼ -4.2% YoY
Deposits
$698.0M
▼ -3.7% YoY
Loans
$543.4M
▼ -5.6% YoY
Offices
9
WESTBURY BCORP INC
ROA (annualized)
0.80%
peers 1.28%
ROE (annualized)
9.68%
peers 12.44%
Peer comparison 748 banks with 500M-1B in assets
| Metric | Westbury Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.3% | +4.9% | -9.2 pts |
| Deposit growth (YoY) | -3.7% | +4.3% | -8.1 pts |
| Loan growth (YoY) | -5.5% | +5.3% | -10.9 pts |
| ROA | 0.80% | 1.28% | -0.5 pts |
| ROE | 9.7% | 12.4% | -2.8 pts |
ROA ranks in the 19th percentile of its peer group · Q2 2026
Profile
- Established
- 1926
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- WESTBURY BCORP INC
- Specialization
- Commercial Lending Specialization
- Address
- N16w23250 Stone Ridge Dr, Waukesha, WI, 53188
- County
- Waukesha
- Metro area
- Milwaukee-Waukesha, WI
- Offices
- 9
- FDIC cert #
- 28400
- RSSD ID
- 524971
- 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 | $771.9M | $698.0M | $543.4M | $64.5M | $3.1M | 0.80% | 4.12% | 0.00% |
| Q1 2026 | $780.2M | $706.4M | $521.1M | $65.0M | $1.4M | 0.72% | 4.08% | 0.00% |
| Q4 2025 | $791.7M | $717.0M | $543.8M | $63.8M | $7.6M | 0.94% | 3.95% | 0.00% |
| Q3 2025 | $805.6M | $725.4M | $547.3M | $70.3M | $6.1M | 1.00% | 3.87% | 0.00% |
| Q2 2025 | $806.1M | $724.9M | $575.3M | $71.2M | $4.2M | 1.02% | 3.85% | 0.00% |
| Q1 2025 | $823.7M | $735.9M | $596.2M | $78.6M | $2.0M | 0.98% | 3.81% | 0.01% |
| Q4 2024 | $816.7M | $731.0M | $609.5M | $76.4M | $8.3M | 0.99% | 3.63% | 0.01% |
| Q3 2024 | $823.9M | $737.0M | $622.5M | $78.6M | $6.1M | 0.97% | 3.54% | 0.40% |
Loan mix (Q2 2026): real estate $473.5M · commercial $68.4M · consumer $631K · securities $95.8M
Ratio pack Q2 2026 · peer medians from 748 institutions
Profitability
| Ratio | Westbury Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.80% | 1.28% | 19th | |
Return on equity Annualized net income ÷ equity or net worth | 9.7% | 12.4% | 31th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.12% | 3.89% | 63th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.6% | 61.2% | 88th | |
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 | Westbury 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% |
Capital
| Ratio | Westbury 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% |
Credit quality
| Ratio | Westbury 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% |
Franchise
| Ratio | Westbury Bank | 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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