Waldo State Bank
Waldo, WI
IDRSSD: 131940
Total Assets
$153.38M
Latest filing
Total Deposits
$132.05M
Latest filing
Net Interest Margin
3.44%
Profitability
Key People
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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 01/30/2026Established 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
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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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 | 01/30/2026 |
| CERT | 8700 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $153.38M |
| Total Deposits | $132.05M |
| Total Liabilities | $138.69M |
| Total Equity Capital | $14.68M |
| Net Income | $154.00k |
| Net Loans and Leases | $116.39M |
| Assets Per Employee ($Millions) | $6.97M |
| Bank Premises and Fixed Assets | $2.46M |
| Cash and Balances due from Depository Institutions | $2.70M |
| Deposits Held in Domestic Offices | $132.05M |
Key Performance Ratios
| Return on Assets (ROA) | 0.4% |
| Return on Equity (ROE) | 4.22% |
| Net Interest Margin | 3.44% |
| Efficiency Ratio | 78.29% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.23% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.573% |
| Earning Assets to total Assets | 92.64% |
Income and Expense
| Total Interest Income | $2.21M |
| Total Noninterest Income | $132.00k |
| Total Interest Expense | $993.00k |
| Total Noninterest Expense | $1.05M |
| Net Interest Income | $1.21M |
| Pre-tax Net Operating Income | $203.00k |
| Provision for Credit Losses | $89.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $5.50M |
| Federal Funds Sold & Reverse Repurchase Agreement | $5.99M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.15M |
| Total Liabilities and Capital | $153.38M |
Securities
| Securities | $19.00M |
| Available-for-sale debt securities | $19.00M |
| Equity securities with readily determinable fair values not held for trading | — |
| 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?
$153.38M as of the latest filing.
How much are Waldo State Bank's total deposits?
$132.05M in total deposits.
Where is Waldo State Bank located?
Waldo, WI.
What is the Net Interest Margin?
3.44%.
How many domestic offices does it operate?
1.
When was it established?
01/01/1913.
What is the Return on Assets (ROA)?
0.4%.
How much are total loans and leases?
$116.39M (latest filing).
What is the total interest income (latest filing)?
$2.21M.