Waukesha State Bank

Headquarters

151 East St. Paul Avenue
Waukesha, WI 53188
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.02% 0.65% →
1-Year CD 0.15% 0.70% →
2-Year CD 0.30% 0.75% →
5-Year CD 0.50% 1.15% →
30-Year Mortgage 3.59% 2.72% →
15-Year Mortgage 3.19% 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

Waukesha State Bank is an FDIC insured institution located in Waukesha, WI. It was founded in 1944 and has approximately $1.31 billion in assets. Customers can open an account at one of its 20 branches.

FDIC Insured Yes
FDIC Certificate # 16160
Date Established 1944
Assets $ 1,307.61 million
Loans $ 868.52 million
Deposits $ 1,058.86 million
Capital $ 142.58 million
 

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.

Deposit Rates - June 19, 2021

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Savings
0.02% $2,500 $4,999 Learn More
Money Market
0.02% $2,500 $2,999 Learn More
Money Market
0.02% $10,000 $14,999 Learn More
Money Market
0.04% $25,000 $29,999 Learn More
CD Rates APY MIN MAX
6 Mo CD
0.10% $10,000 $14,999 Learn More
6 Mo CD
0.10% $100,000 $199,999 Learn More
12 Mo CD
0.15% $10,000 $14,999 Learn More
12 Mo CD
0.15% $100,000 $199,999 Learn More
18 Mo CD
0.15% $10,000 $14,999 Learn More
18 Mo CD
0.15% $100,000 $199,999 Learn More
24 Mo CD
0.30% $10,000 $14,999 Learn More
24 Mo CD
0.30% $100,000 $199,999 Learn More
30 Mo CD
0.30% $10,000 $14,999 Learn More
30 Mo CD
0.30% $100,000 $199,999 Learn More
36 Mo CD
0.40% $10,000 $14,999 Learn More
36 Mo CD
0.40% $100,000 $199,999 Learn More
48 Mo CD
0.40% $10,000 $14,999 Learn More
48 Mo CD
0.40% $100,000 $199,999 Learn More
60 Mo CD
0.50% $10,000 $14,999 Learn More
60 Mo CD
0.50% $100,000 $199,999 Learn More

Fixed IRA Rates APY MIN MAX
Fixed IRA
0.15% $1 $999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.02% $2,500 $3,499 Learn MoreShow Less
 

Loan Rates - June 19, 2021

Your Current Location: Virginia, VA 20146

Home Equity Rates APR Rate Monthly Payment
Refinance Mortgage Rates APR Rate Monthly Payment
Purchase Mortgage Rates APR Rate Monthly Payment

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


Financial Details

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. 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
Waukesha State Bank U.S. Bank Average
0.66% 5.49%

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 December 31, 2020, Waukesha State Bank had $997,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $142,575,000 in equity and $8,100,000 in loans loss reserves. That gives it a Texas Ratio of 0.66%.

Return on Equity
Waukesha State Bank U.S. Bank Average
17.47% 9.24%

Waukesha State Bank has a Return on Equity of 17.47% versus the BestCashCow average of 9.24%. 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
Waukesha State Bank U.S. Bank Average
10.9% 11.96%

Waukesha State Bank has a Capitalization of 10.9% versus the BestCashCow average of 11.96. 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 December 31, 2020, Waukesha State Bank had assets of $1,307,608,000, loans of $868,522,000, and deposits of $1,058,860,000. 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

December 31, 2020
ASSETS
Cash & Balances due from depository institutions $ 168.94 million
Interest-bearing balances $ 147.85 million
Total securities $ 202.64 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 868.52 million
Loan loss allowance $ 8.10 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets $ 40.85 million
     Total Assets $ 1,165.03 million
LIABILITIES
Total deposits $ 1,058.86 million
      Interest-bearing deposits $ 694.21 million
      Deposits held in domestic offices $ 1,058.86 million
      % insured (estimated) 73.81%
Federal funds purchased and repurchase agreements $ 89.02 million
Trading liabilities N.A.
Other borrowed funds $ 4.00 million
Subordinated debt N.A.
All other liabilities $ 13.15 million
      Total Liabilities $ 1,165.03 million
      Shareholders’ Equity $ 142.58 million

Summary Income Statement

December 31, 2020
INCOME AND EXPENSES
Total Interest Income $ 44.31 million
Total Interest Expense $ 1.41 million
Net interest income $ 42.91 million
Provision for loan and lease losses $ 2.22 million
Total non interest income $ 19.87 million
Total non interest expense $ 36.74 million
Pre-tax Net Operating Income $ 23.81 million

Bank Loan Profile?

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

Compared to other banks in Wisconsin, Waukesha State Bank has a significantly higher percent of Commercial and Industrial Loans 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 32.45
Multifamily
Mortgages
9.13
Credit Card Loans 0.46
Consumer Auto Loans 0.14
Small Business Loans 12.44
Construction and Development Loans 6.73
Commercial Real Estate 25.46
Commercial and Industrial Loans 26.27
Farm Loans 0.00

Frequently Asked Questions About Waukesha State Bank

Branches and Savings

Is Waukesha State Bank FDIC insured?

Yes. It is covered under FDIC Certificate #16160.

Why does Waukesha State Bank pay such low interest on savings accounts?

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

Why are Waukesha State Bank CD rates not competitive?

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

Is Waukesha State Bank a commercial bank?

Yes

Where are Waukesha State Bank locations?

See branch locations nearby.

Is Waukesha State Bank open on Saturdays?

Is Waukesha State Bank open on Sundays?

What time does Waukesha State Bank open?

What time does Waukesha State Bank close?

Are Waukesha State Bank ATMs Open 24/7?

Do Waukesha State Bank ATMs accept cash deposits?

Can Waukesha State Bank customers use other ATMs?

Do Waukesha State Bank branches have notaries?

Will Waukesha State Bank notarize my document?

What address for Waukesha State Bank should I put for incoming ACH transfers?

Will the Waukesha State Bank branch print checks?

Do Waukesha State Bank checks expire?

Does Waukesha State Bank require US citizenship to open account?

Can Waukesha State Bank close my account?

Does Waukesha State Bank Report to credit bureaus?

Does Waukesha State Bank Use Equifax?

What is Waukesha State Bank's ACH Routing Number?

What is Waukesha State Bank's SWIFT code?

Products

Does Waukesha State Bank offer mortgages?

Compare mortgage rates here.

Does Waukesha State Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Waukesha State Bank offer personal loans?

Compare personal loan rates here.

Does Waukesha State Bank offer student loans?

Will Waukesha State Bank cash a check?

Will Waukesha State Bank redeem a savings bond?

Does Waukesha State Bank cash savings bonds?

Will Waukesha State Bank cash money orders?

Can Waukesha State Bank issue a money order?

Does Waukesha State Bank do currency exchange?

Background on The Bank

Who owns Waukesha State Bank?

How long has Waukesha State Bank been around?

Can Waukesha State Bank transfer to other banks?

Does Waukesha State Bank have quick pay?

Does Waukesha State Bank accept rolled coins?

Will Waukesha State Bank accept loose change?

Where is Waukesha State Bank headquarters?

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