Waukesha State Bank

151 East St. Paul Avenue
Waukesha, WI 53188

General Bank Information

FDIC Insured Yes

FDIC Certificate # 16160

Date Established 1944

Waukesha State Bank is an FDIC insured institution located in Waukesha, WI. It was founded in 1944 and has approximately $0.86 billion in assets. Customers can open an account via one of its 20 branches.

Waukesha State Bank Financial Size

Assets $0.86 billion
Loans $0.44 billion
Deposits $0.72 billion
Capital $0.11 billion

For a more detailed analysis of Waukesha State Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 31.90
Multifamily
Mortgages
5.07
Credit Card Loans 0.90
Consumer Auto Loans 0.34
Small Business Loans 20.35
Construction and Development Loans 3.98
Commercial Real Estate 41.79
Commercial and Industrial Loans 14.51
Farm Loans 0.00



The top three loan types in Waukesha State Bank’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Small Business Loans.

Compared to other banks, Waukesha State Bank’s loan portfolio does not show any specific loan specialty.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.


Your Current Location:
VIRGINIA, VA 20146


CD Rates APY Min Max More
3 Mo CD 10K 0.05% $500 -
6 Mo CD 10K 0.15% $500 -
12 Mo CD 10K 0.15% $500 -
18 Mo CD 10K 0.20% $500 -
24 Mo CD 10K 0.30% $500 -
36 Mo CD 10K 0.35% $500 -
60 Mo CD 10K 0.90% $500 -
Savings Rates APY Min Max More
Savings 2.5K 0.05% $1,000 -
Fixed IRA Rates APY Min Max More
Fixed IRA 0K 0.15% $1 -
Variable IRA Rates APY Min Max More
Var IRA 0K 0.28% $1 -
MM Rates APY Min Max More
MM 2.5K 0.05% $1 $4,999
MM 10K 0.05% $5,000 $24,999
MM 25K 0.05% $25,000 $49,999
Int Checking Rates APY Min Max More
Int Ckg 0K 0.05% $1,000 -

Your Current Location:
VIRGINIA, VA 20146


BestCashCow tracks mortgage, home equity, and auto loan rates. In the future, we will be adding other loan products. Please contact the lender for questions about their loan products.


Refinance Mortgage Rates APR Rate Monthly Payment More
10 Year Fixed Conforming 3.13% 3.05% $1,935.83
15 Year Fixed Conforming 3.18% 3.13% $1,393.22
20 Year Fixed Conforming 3.75% 3.70% $1,180.58
30 Year Fixed Conforming 3.91% 3.88% $940.47
Purchase Mortgage Rates APR Rate Monthly Payment More
10 Year Fixed Conforming 3.13% 3.05% $1,935.83
15 Year Fixed Conforming 3.18% 3.13% $1,393.22
20 Year Fixed Conforming 3.75% 3.70% $1,180.58
30 Year Fixed Conforming 3.91% 3.88% $940.47


Monthly payments for mortgage products are based on a loan amount of $200,000. Home equity monthly payments are based on a loan amount of $50,000. Auto loan monthly payments are based on a loan amount of $25,000. Rates for each product are based on a variety of factors including credit score and loan amount. For specific requirements please check with the lender. Rates may change at any time.

Branches

Waukesha State Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
ASHBURN,VIRGINIA



Waukesha State Bank Locations

Waukesha State Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Waukesha State Bank. The data is provided by the FDIC. Please remember that all banks listed on BestCashCow.com are FDIC insured while all credit unions are similarly insured by the NCUA. No depositor has ever lost money while their funds have been insured by the FDIC or NCUA.

Waukesha State Bank U.S. Bank Average
Texas Ratio 13.22% 10.62%

The Texas Ratio compares the amount of loans at risk and the amount of owned real estate with the amount a bank has on hand to cover any losses. As of September 30, 2014, Waukesha State Bank had $3,587,000 in non-current loans and $11,330,000 in owned real estate. To cover these potential losses it had $107,031,000 in equity and $5,800,000 in loans loss reserves. That gives it a Texas Ratio of 13.22%. The closer the Texas Ratio is to 100% and over, the less capital and reserves a bank has to absorb its loan losses.

Return on Equity 7.57% 9.04%

Waukesha State Bank has a Return on Equity of 7.57% versus the BestCashCow average of 9.04%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization 12.38% 11.20%

Waukesha State Bank has a Capitalization of 12.38% versus the BestCashCow average of 11.20%. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Waukesha State Bank Balance Sheet Analysis

As of September 30, 2014, Waukesha State Bank had assets of $864,468,000, loans of $441,415,000, and deposits of $719,631,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Customer Comments for Waukesha State Bank

There are currently no comments for Waukesha State Bank. Be the first to share your experience. Please provide comments that will help others.


Add your comment:

 


Latest Articles - Banks

Posted on July 24, 2014
Posted on September 09, 2013
Posted on July 16, 2013
Posted on June 24, 2013
Posted on June 14, 2013
Posted on May 23, 2013
Posted on May 16, 2013
Posted on May 04, 2013

Advertiser Disclaimer. Some of the savings offers appearing on this site are from advertisers from which this website receives compensation for being listed here. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear).

Financial products of all nature bear inherent risks and this website is not a financial advisory service. BestCashCow.com provides information related to rates on US-based savings accounts, CD (certificate of deposit) rates, money market accounts, money market funds, government bonds, other bonds and income producing securities, commodities, equity securities, mortgage rates, home equity rates and auto loans rates, free of charge to internet users for their independent use. No financial product of any sort is endorsed. BestCashCow.com does not have any agency relationship or any affiliation – other than an advertising relationship – with any financial institution mentioned on the website. Rate information is provided by third party sources and all information related to financial health of FDIC-registered banks and NCUA-registered credit unions is provided directly by those agencies. BestCashCow.com does not verify or guarantee the accuracy of this information and specifically disclaims responsibility for errors and omissions. Please seek personalized advice on the risks and applicability to your own circumstances of any financial product from a qualified professional. © BestCashCow.com, LLC, 2014.