Waumandee State Bank
Waumandee, Wisconsin, Buffalo County
$345M in total assets, the 2,304th largest of 4,309 US banks and 86th of 155 headquartered in Wisconsin.
- FDIC certificate
- 10384
- Established
- 1914
- Owned by
- Waumandee Bancshares Ltd
- Primary regulator
- FDIC
- Website
- http://www.waumandeebank.com
At a glance
Compared with 109 banks headquartered in Wisconsin with $100 million to $1 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $345M | 51% | $344M | |
| Loans | $254M | 52% | $241M | |
| Deposits | $301M | 54% | $287M | |
| Return on assets | 1.42% | 61% | 1.24% | |
| Net interest margin | 4.23% | 83% | 3.85% | |
| Efficiency ratio | 62.0% | 55% | 60.7% | |
| Equity to assets | 11.09% | 63% | 10.38% | |
| Loans to deposits | 84% | 45% | 86% |
Growth
Total assets grew 1.4% a year over the last 5 years and 7.3% a year over 10 years, including 1 acquisition in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Aug 2020 | Union Bank of Blair Blair, WI | $114M |
| Jul 2004 | First State Bank Fountain City, WI | $21M |
Where they operate
8 branches in 4 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Trempealeau County, WI | $147M | 20.3% | 2 of 9 |
| Buffalo County, WI | $98M | 23.4% | 3 of 4 |
| Pepin County, WI | $36M | 9.4% | 3 of 3 |
| Jackson County, WI | $20M | 8.7% | 3 of 3 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 1 branch since 2016 (7 to 8, +14.3%). 0 opened, 1 acquired, 0 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 7 | |||
| 2020 | Acquired Union Bank of Blair | 1 | 0 | +1 | 8 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| 1-4 family residential | 37% | 32% | |
| Commercial real estate | 19% | 29% | |
| Farmland | 13% | 8% | |
| Business (C&I) | 9% | 10% | |
| Agricultural | 4% | 2% | |
| Construction and land | 4% | 7% | |
| Consumer | 3% | 2% | |
| Multifamily | 1% | 8% | |
| Other | 10% | 2% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Time deposits | 39% | 34% | |
| Other interest-bearing | 38% | 48% | |
| Noninterest-bearing | 23% | 19% |
Brokered deposits are 0.0% of deposits (peers 5.7%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.60% | 0.22% |
| Net charge-offs, annualized | 0.00% | 0.00% |
| Reserves to loans | 1.15% | 1.15% |
| Leverage ratio | 9.39% | 10.95% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Wisconsin
Largest competitors in Trempealeau County, WI
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/waumandee