Waukesha State Bank: how it compares with its peers
Against 30 WI banks with half to twice its assets, Waukesha State Bank's strongest measure in Q2 2026 is return on assets (2.38% vs. a 1.17% peer median). Its weakest relative measure is assets per employee ($4.8M vs. $8.0M).
| Measure | Waukesha State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.38% | 1.17% | Top third Ahead of 100% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.46% | 3.69% | Top third Ahead of 93% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 55.57% | 60.10% | Middle third Ahead of 63% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.8M | $8.0M | Bottom third Ahead of 7% of peers |
| Loans to deposits Net loans and leases over total deposits. | 93.16% | 92.53% | Context |
What it means for lending operations
Its efficiency ratio of 55.57% is better than the 60.10% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Horicon Bank Horicon, WI · $1.65B
- The Park Bank Madison, WI · $1.54B
- Peoples State Bank Wausau, WI · $1.50B
- Bankers' Bank Madison, WI · $1.47B
- CCFBank National Association Altoona, WI · $1.81B
- Tri City National Bank Oak Creek, WI · $1.95B
Questions about Waukesha State Bank
How big is Waukesha State Bank?
Waukesha State Bank, established in 1944, is headquartered in Waukesha, WI. It reported $1.62B in total assets in its Q2 2026 FDIC call report and operates 15 offices.
What is Waukesha State Bank's return on assets?
2.38% annualized in Q2 2026, against a 1.17% median for 30 WI banks with half to twice its assets, ahead of 100% of them.
What is Waukesha State Bank's efficiency ratio?
55.57% in Q2 2026: it spent about 56 cents in noninterest expense for each dollar of revenue. The peer median is 60.10%, and lower is better.
Is Waukesha State Bank growing its loans?
Net loans grew 7.3% over the year to Q2 2026, while deposits grew 1.9%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are WI banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Wisconsin bank ranked.