Waldo State Bank
Waldo, WI
IDRSSD: 131940
Total Assets
$151.13M
Latest filing
Total Deposits
$127.51M
Latest filing
Net Interest Margin
3.34%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Waldo State Bank
119 Depot St
Waldo, WI 53093
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/01/1913FDIC Certificate 5538
Branches (0)
Page 1 of 1| Name | Address | City / State | ||
|---|---|---|---|---|
| No branch data available. | ||||
| Waldo State Bank (Main) | 119 Depot St | Waldo, WI | ||
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
Similar banks
First Community Bank
Milton, Wisconsin
→
Assets: $154.50MΔ -0.8%
Bluff View Bank
Galesville, Wisconsin
→
Assets: $154.38MΔ -0.9%
State Bank of Reeseville
Reeseville, Wisconsin
→
Assets: $150.00MΔ -3.7%
GreenLeaf Bank
Greenleaf, Wisconsin
→
Assets: $147.49MΔ -5.3%
The Bank of Kaukauna
Kaukauna, Wisconsin
→
Assets: $165.08MΔ +6.0%
The Pineries Bank
Stevens Point, Wisconsin
→
Assets: $144.81MΔ -7.0%
Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 01/01/1913 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 53093 |
| State and County Number | 55117 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 07 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Sheboygan, WI |
Operational Info
| Number of Employees | 22 |
| Domestic Offices | 1 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.waldostate.bank |
| Data Updated | 11/14/2025 |
| CERT | 8700 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $151.13M |
| Total Deposits | $127.51M |
| Total Liabilities | $136.65M |
| Total Equity Capital | $14.49M |
| Net Income | $306.00k |
| Net Loans and Leases | $119.34M |
| Assets Per Employee ($Millions) | $6.87M |
| Bank Premises and Fixed Assets | $2.46M |
| Cash and Balances due from Depository Institutions | $2.75M |
| Deposits Held in Domestic Offices | $127.51M |
Key Performance Ratios
| Return on Assets (ROA) | 0.8% |
| Return on Equity (ROE) | 8.57% |
| Net Interest Margin | 3.34% |
| Efficiency Ratio | 69.33% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.07% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.585% |
| Earning Assets to total Assets | 92.37% |
Income and Expense
| Total Interest Income | $2.21M |
| Total Noninterest Income | $113.00k |
| Total Interest Expense | $1.03M |
| Total Noninterest Expense | $902.00k |
| Net Interest Income | $1.19M |
| Pre-tax Net Operating Income | $372.00k |
| Provision for Credit Losses | $27.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $8.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $3.66M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.14M |
| Total Liabilities and Capital | $151.13M |
Securities
| Securities | $16.10M |
| Available-for-sale debt securities | $16.10M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Waldo State Bank?
$151.13M as of the latest filing.
How much are Waldo State Bank's total deposits?
$127.51M in total deposits.
Where is Waldo State Bank located?
Waldo, WI.
What is the Net Interest Margin?
3.34%.
How many domestic offices does it operate?
1.
When was it established?
01/01/1913.
What is the Return on Assets (ROA)?
0.8%.
How much are total loans and leases?
$119.34M (latest filing).
What is the total interest income (latest filing)?
$2.21M.