Westbury Bank: how it compares with its peers
Against 60 WI banks with half to twice its assets, Westbury Bank's strongest measure in Q2 2026 is net interest margin (4.12% vs. a 3.74% peer median). Its weakest relative measure is efficiency ratio (78.61% vs. 59.64%).
| Measure | Westbury Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.80% | 1.25% | Bottom third Ahead of 20% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.12% | 3.74% | Top third Ahead of 82% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 78.61% | 59.64% | Bottom third Ahead of 13% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.7M | $7.7M | Bottom third Ahead of 27% of peers |
| Loans to deposits Net loans and leases over total deposits. | 77.86% | 89.64% | Context |
What it means for lending operations
Its efficiency ratio of 78.61% is above the 59.64% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Hiawatha National Bank Hager City, WI · $781M
- Fortifi Bank Berlin, WI · $750M
- Bank of Prairie du Sac Prairie Du Sac, WI · $745M
- Chippewa Valley Bank Hayward, WI · $736M
- WOODTRUST BANK Wisconsin Rapids, WI · $735M
- Dairy State Bank Rice Lake, WI · $730M
Questions about Westbury Bank
How big is Westbury Bank?
Westbury Bank, established in 1926, is headquartered in Waukesha, WI. It reported $772M in total assets in its Q2 2026 FDIC call report and operates 9 offices.
What is Westbury Bank's return on assets?
0.80% annualized in Q2 2026, against a 1.25% median for 60 WI banks with half to twice its assets, ahead of 20% of them.
What is Westbury Bank's efficiency ratio?
78.61% in Q2 2026: it spent about 79 cents in noninterest expense for each dollar of revenue. The peer median is 59.64%, and lower is better.
Is Westbury Bank growing its loans?
Net loans shrank 5.6% over the year to Q2 2026, while deposits shrank 3.7%.
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.