Bank of Wausau

Headquarters

2010 West Stewart Avenue
Wausau, WI 54402
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.95% →
1-Year CD N.A. 1.01% →
2-Year CD N.A. 0.95% →
5-Year CD N.A. 1.30% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

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.

FDIC Insured Yes
FDIC Certificate # 35016
Date Established 1999
Assets $ 43.56 million
Loans $ 24.95 million
Deposits $ 40.66 million
Capital $ 0.02 million
 

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.

Deposit Rates - October 21, 2020

Your Current Location: Connecticut, CT 06828


Loan Rates - October 21, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Bank of Wausau

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:




Featured - Connecticut 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: 13256
2.575% 2.500% 1.00 $2,468 $988 Learn More
Rocket Mortgage
NMLS ID: 3030
3.620% 3.500% 1.00 $3,750 $1,123 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.240 %
$0 Learn More
More Info

Note to Bank of Wausau
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Branches

Bank of Wausau 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:
Fairfield,Connecticut


Bank of Wausau Locations


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 BestCashCow.com 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% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2020, 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%.

Return on Equity
Bank of Wausau U.S. Bank Average
-384% 7.80%

Bank of Wausau has a Return on Equity of -384% versus the BestCashCow average of 7.80%. 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
Bank of Wausau U.S. Bank Average
0.04% 12.68%

Bank of Wausau has a Capitalization of 0.04% versus the BestCashCow average of 12.68. 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.

Summary Balance Sheet

March 31, 2020
ASSETS
Cash & Balances due from depository institutions N.A.
Interest-bearing balances N.A.
Total securities N.A.
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 24.95 million
Loan loss allowance $ 1.31 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 2.69 million
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
LIABILITIES
Total deposits $ 40.66 million
      Interest-bearing deposits N.A.
      Deposits held in domestic offices N.A.
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities N.A.
      Total Liabilities N.A.
      Shareholders’ Equity $ 43.56 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income N.A.
Total Interest Expense N.A.
Net interest income N.A.
Provision for loan and lease losses N.A.
Total non interest income N.A.
Total non interest expense N.A.
Pre-tax Net Operating Income N.A.

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.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 49.86
Multifamily
Mortgages
0.00
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

Frequently Asked Questions About Bank Of Wausau

Branches and Savings

Is Bank Of Wausau FDIC insured?

Yes. It is covered under FDIC Certificate #35016.

Why does Bank Of Wausau pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Bank Of Wausau CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Bank Of Wausau a commercial bank?

Yes

Where are Bank Of Wausau locations?

See branch locations nearby.

Is Bank Of Wausau open on Saturdays?

Is Bank Of Wausau open on Sundays?

What time does Bank Of Wausau open?

What time does Bank Of Wausau close?

Are Bank Of Wausau ATMs Open 24/7?

Do Bank Of Wausau ATMs accept cash deposits?

Can Bank Of Wausau customers use other ATMs?

Do Bank Of Wausau branches have notaries?

Will Bank Of Wausau notarize my document?

What address for Bank Of Wausau should I put for incoming ACH transfers?

Will the Bank Of Wausau branch print checks?

Do Bank Of Wausau checks expire?

Does Bank Of Wausau require US citizenship to open account?

Can Bank Of Wausau close my account?

Does Bank Of Wausau Report to credit bureaus?

Does Bank Of Wausau Use Equifax?

What is Bank Of Wausau's ACH Routing Number?

What is Bank Of Wausau's SWIFT code?

Products

Does Bank Of Wausau offer mortgages?

Compare mortgage rates here.

Does Bank Of Wausau offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Bank Of Wausau offer personal loans?

Compare personal loan rates here.

Does Bank Of Wausau offer student loans?

Will Bank Of Wausau cash a check?

Will Bank Of Wausau redeem a savings bond?

Does Bank Of Wausau cash savings bonds?

Will Bank Of Wausau cash money orders?

Can Bank Of Wausau issue a money order?

Does Bank Of Wausau do currency exchange?

Background on The Bank

Who owns Bank Of Wausau?

How long has Bank Of Wausau been around?

Can Bank Of Wausau transfer to other banks?

Does Bank Of Wausau have quick pay?

Does Bank Of Wausau accept rolled coins?

Will Bank Of Wausau accept loose change?

Where is Bank Of Wausau headquarters?

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