BlastPoint's Banking Scorecard
Waukesha State Bank
Community
Specialty: Commercial
WI
FDIC cert 16160
Waukesha, WI
1484
banks in Community tier nationally
63 in WI
View Community leaderboard (WI) →
Waukesha State Bank has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 26% in Community
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 34% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.6B
+6.4% YoY
+3.3% QoQ
|
+$210.3M |
$1.4B
+2.0% YoY
|
$1.1B
+5.1% YoY
|
$5.9B
+6.5% YoY
|
73% |
| Total Loans ? |
$1.2B
+7.3% YoY
+3.1% QoQ
|
+$200.4M |
$975.5M
+2.4% YoY
|
$768.8M
+4.7% YoY
|
$3.1B
+8.5% YoY
|
74% |
| Total Deposits ? |
$1.3B
+5.2% YoY
-0.6% QoQ
|
+$95.3M |
$1.2B
+1.7% YoY
|
$858.9M
+4.5% YoY
|
$4.7B
+6.3% YoY
|
70% |
| Return on Assets ? |
1.70%
+5.1% YoY
-13.8% QoQ
|
+0.54% |
1.16%
+17.2% YoY
|
1.12%
+22.4% YoY
|
1.12%
+15.6% YoY
|
83% |
| Net Interest Margin ? |
4.22%
+8.5% YoY
+1.2% QoQ
|
+0.56% |
3.66%
+9.1% YoY
|
3.60%
+10.9% YoY
|
3.75%
+7.1% YoY
|
79% |
| Efficiency Ratio ? |
65.15%
+0.5% YoY
+6.2% QoQ
|
+2.52% |
62.63%
-5.3% YoY
|
64.76%
-6.6% YoY
|
65.09%
-5.1% YoY
|
40% |
| Delinquency Rate ? |
0.52%
-23.9% YoY
+41.0% QoQ
|
-0.11% |
0.63%
+18.3% YoY
|
0.52%
+44.6% YoY
|
0.66%
+20.3% YoY
|
45% |
| Loan-to-Deposit Ratio ? |
93.34%
+2.0% YoY
+3.7% QoQ
|
+10.27% |
83.06%
+0.3% YoY
|
85.80%
+1.3% YoY
|
78.04%
+0.7% YoY
|
74% |
| Non-Interest-Bearing Deposit Share ? |
29.44%
-2.4% YoY
-0.2% QoQ
|
+8.39% |
21.05%
-0.9% YoY
|
18.83%
-1.2% YoY
|
21.79%
-1.3% YoY
|
83% |
| Nonperforming Asset Ratio ? |
0.38%
-23.3% YoY
+40.6% QoQ
|
-0.12% |
0.50%
+20.3% YoY
|
0.37%
+20.8% YoY
|
0.48%
+20.8% YoY
|
47% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
8.70%
-2.9% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
1.34%
+1.4% YoY
+30.1% QoQ
|
+0.60% |
0.74%
-1.3% YoY
|
0.58%
+3.9% YoY
|
0.65%
+0.6% YoY
|
Top 8% in tier |
Signature Analysis
Strengths (1)
Revenue Diversifier
growth
#98 of 371 · Top 26% in Community
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
1.34%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
1.70%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank declining
Concerns (1)
Liquidity Strain
risk
#177 of 513 · Bottom 34% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
93.34%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
92
92th pctile
Non-Interest Income / Assets
Current: 1.34% · Tier avg: 0.74%
83
83th pctile
Return on Assets
Current: 1.70% · Tier avg: 1.16%
83
83th pctile
Non-Interest-Bearing Deposit Share
Current: 29.44% · Tier avg: 21.05%
79
79th pctile
Net Interest Margin
Current: 4.22% · Tier avg: 3.66%
74
74th pctile
Total Loans
Current: $1.2B · Tier avg: $975.5M
74
74th pctile
Loan-to-Deposit Ratio
Current: 93.34% · Tier avg: 83.06%
73
73th pctile
Total Assets
Current: $1.6B · Tier avg: $1.4B
70
70th pctile
Total Deposits
Current: $1.3B · Tier avg: $1.2B
47
47th pctile
Nonperforming Asset Ratio
Current: 0.38% · Tier avg: 0.50%
45
45th pctile
Delinquency Rate
Current: 0.52% · Tier avg: 0.63%
40
40th pctile
Efficiency Ratio
Current: 65.15% · Tier avg: 62.63%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
Top Weaknesses
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
40
40th pctile
Efficiency Ratio
Current: 65.15% · Tier avg: 62.63%
45
45th pctile
Delinquency Rate
Current: 0.52% · Tier avg: 0.63%
47
47th pctile
Nonperforming Asset Ratio
Current: 0.38% · Tier avg: 0.50%
70
70th pctile
Total Deposits
Current: $1.3B · Tier avg: $1.2B
73
73th pctile
Total Assets
Current: $1.6B · Tier avg: $1.4B
74
74th pctile
Loan-to-Deposit Ratio
Current: 93.34% · Tier avg: 83.06%
74
74th pctile
Total Loans
Current: $1.2B · Tier avg: $975.5M
79
79th pctile
Net Interest Margin
Current: 4.22% · Tier avg: 3.66%
83
83th pctile
Non-Interest-Bearing Deposit Share
Current: 29.44% · Tier avg: 21.05%
83
83th pctile
Return on Assets
Current: 1.70% · Tier avg: 1.16%
92
92th pctile
Non-Interest Income / Assets
Current: 1.34% · Tier avg: 0.74%