Bank of Wausau

2010 West Stewart Avenue
Wausau, WI 54402


General Bank Information

FDIC Insured Yes
FDIC Certificate # 35016
Date Established 1999
Assets $0.04 billion
Loans $0.02 billion
Deposits $0.04 billion
Capital $0.00 billion

Bank of Wausau is an FDIC insured institution located in Wausau, WI. It was founded in 1999 and has approximately $0.04 billion in assets.

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

Bank Loan Profile?

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

Compared to other banks in Wisconsin, Bank of Wausau has a significantly higher percent of 1-4 Family Residential Loans, Small Business Loans, Commercial Real Estate on its balance sheet, potentially indicating a specialty in that lending area.

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.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 49.86
Credit Card Loans 0.40
Consumer Auto Loans 0.08
Small Business Loans 23.76
Construction and Development Loans 1.68
Commercial Real Estate 43.45
Commercial and Industrial Loans 8.79
Farm Loans 0.52

Loan Rates

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Financial Details

Bank of Wausau Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Bank of Wausau. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Bank of Wausau U.S. Bank Average
311.48% 8.87%

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 March 31, 2017, Bank of Wausau had $1,466,000 in non-current loans and $2,686,000 in owned real estate. To cover these potential losses it had $19,000 in equity and $1,314,000 in loans loss reserves. That gives it a Texas Ratio of 311.48%. 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
Bank of Wausau U.S. Bank Average
-384% 8.39%

Bank of Wausau has a Return on Equity of -384% versus the BestCashCow average of 8.39%. 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.

Bank of Wausau U.S. Bank Average
0.04% 11.94%

Bank of Wausau has a Capitalization of 0.04% versus the BestCashCow average of 11.94%. 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.

Bank of Wausau Balance Sheet Analysis

As of June 30, 2013, Bank of Wausau had assets of $43,564,000, loans of $24,950,000, and deposits of $40,663,000. 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.

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