Westbury Bank

N16 W23250 Stone Ridge Drive
Waukesha, WI 53188

Notable Rates APY Vs.Others
Savings 0.05% 1.90% →
1-Year CD 0.75% 1.90% →
2-Year CD 0.80% 1.95% →
5-Year CD 1.15% 2.00% →
30-Year Mortgage 3.60% 3.14% →
15-Year Mortgage 3.30% 2.59% →
HELOC N.A. 2.50% →

2020 Overview

General Bank Information

Westbury Bank is an FDIC insured institution located in Waukesha, WI. It was founded in 1926 and has approximately $0.83 billion in assets. Customers can open an account at one of its 11 branches.

FDIC Insured Yes
FDIC Certificate # 28400
Date Established 1926
Assets $0.83 billion
Loans $0.66 billion
Deposits $0.72 billion
Capital $0.08 billion

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

Deposit Rates - April 8, 2020

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
Money Market
0.10% $1 $24,999 Learn MoreShow Less
Money Market
0.15% $25,000 $49,999 Learn MoreShow Less
6 Mo CD
0.75% $500 - Learn MoreShow Less

Fixed IRA
0.80% $500 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
0.05% $1 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $1 $4,999 Learn MoreShow Less

Loan Rates - April 8, 2020

Your Current Location: Connecticut, CT 06828

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.


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

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Westbury Bank Locations

Financial Details

Westbury Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Westbury 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
Westbury Bank U.S. Bank Average
10.14% 6.51%

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, 2019, Westbury Bank had $9,041,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $82,162,000 in equity and $6,986,000 in loans loss reserves. That gives it a Texas Ratio of 10.14%.

Return on Equity
Westbury Bank U.S. Bank Average
9.2% 9.41%

Westbury Bank has a Return on Equity of 9.2% versus the BestCashCow average of 9.41%. 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.

Westbury Bank U.S. Bank Average
9.88% 12.82%

Westbury Bank has a Capitalization of 9.88% versus the BestCashCow average of 12.82. 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.

Westbury Bank Balance Sheet Analysis

As of December 31, 2019, Westbury Bank had assets of $831,386,000, loans of $664,645,000, and deposits of $720,403,000. 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, 2019
Cash & Balances due from depository institutions $0.02 billion
Interest-bearing balances $0.01 billion
Total securities $0.10 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.66 billion
Loan loss allowance $0.01 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.02 billion
     Total Assets $0.75 billion
Total deposits $0.72 billion
      Interest-bearing deposits $0.58 billion
      Deposits held in domestic offices $0.72 billion
      % insured (estimated) 82.39%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.02 billion
Subordinated debt $0.00 billion
All other liabilities $0.01 billion
      Total Liabilities $0.75 billion
      Shareholders’ Equity $0.08 billion

Summary Income Statement

December 31, 2019
Total Interest Income $0.03 billion
Total Interest Expense $0.01 billion
Net interest income $0.03 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.01 billion
Total non interest expense $0.02 billion
Pre-tax Net Operating Income $0.01 billion

Bank Loan Profile?

The top three loan types in Westbury Bank’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Multifamily Mortgages.

Compared to other banks in Wisconsin, Westbury Bank has a significantly higher percent of Multifamily Mortgages 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 26.19
Credit Card Loans 0.00
Consumer Auto Loans 0.07
Small Business Loans 18.16
Construction and Development Loans 4.75
Commercial Real Estate 37.10
Commercial and Industrial Loans 11.13
Farm Loans 0.00

Frequently Asked Questions About Westbury Bank

Branches and Savings

Is Westbury Bank FDIC insured?

Yes. It is covered under FDIC Certificate #28400.

Why does Westbury Bank pay such low interest on savings accounts?

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

Why are Westbury Bank CD rates not competitive?

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

Is Westbury Bank a commercial bank?


Where are Westbury Bank locations?

See branch locations nearby.

Is Westbury Bank open on Saturdays?

Is Westbury Bank open on Sundays?

What time does Westbury Bank open?

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Are Westbury Bank ATMs Open 24/7?

Do Westbury Bank ATMs accept cash deposits?

Can Westbury Bank customers use other ATMs?

Do Westbury Bank branches have notaries?

Will Westbury Bank notarize my document?

What address for Westbury Bank should I put for incoming ACH transfers?

Will the Westbury Bank branch print checks?

Do Westbury Bank checks expire?

Does Westbury Bank require US citizenship to open account?

Can Westbury Bank close my account?

Does Westbury Bank Report to credit bureaus?

Does Westbury Bank Use Equifax?

What is Westbury Bank's ACH Routing Number?

What is Westbury Bank's SWIFT code?


Does Westbury Bank offer mortgages?

Compare mortgage rates here.

Does Westbury Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Westbury Bank offer personal loans?

Compare personal loan rates here.

Does Westbury Bank offer student loans?

Will Westbury Bank cash a check?

Will Westbury Bank redeem a savings bond?

Does Westbury Bank cash savings bonds?

Will Westbury Bank cash money orders?

Can Westbury Bank issue a money order?

Does Westbury Bank do currency exchange?

Background on The Bank

Who owns Westbury Bank?

How long has Westbury Bank been around?

Can Westbury Bank transfer to other banks?

Does Westbury Bank have quick pay?

Does Westbury Bank accept rolled coins?

Will Westbury Bank accept loose change?

Where is Westbury Bank headquarters?

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