Waukon State Bank
Waukon, IA
IDRSSD: 436542
Total Assets
$433.00M
Latest filing
Total Deposits
$369.91M
Latest filing
Net Interest Margin
3.78%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Waukon State Bank
22 W Main St
Waukon, IA 52172
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1871FDIC Certificate 1236
Branches (3)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Waukon State Bank (Main) | 22 W Main St | Waukon, IA |
| PARKING LOT BRANCH | 301 Rossville Rd | Waukon, IA |
| VIKING STATE BANK & TRUST BRACH BRANCH | 1801 Old Stage Road | Decorah, IA |
| DECORAH BRANCH | 321 W Water St | Decorah, IA |
Showing 3 of 3
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 member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 01/01/1871 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 52172 |
| State and County Number | 19005 |
| Subchapter S Corporations | Yes |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 07 |
| Numeric code | 13 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 51 |
| Domestic Offices | 4 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 06/30/2024 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.waukonstatebank.bank |
| Data Updated | 01/30/2026 |
| CERT | 1857 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $433.00M |
| Total Deposits | $369.91M |
| Total Liabilities | $390.40M |
| Total Equity Capital | $42.61M |
| Net Income | $1.99M |
| Net Loans and Leases | $353.92M |
| Assets Per Employee ($Millions) | $8.66M |
| Bank Premises and Fixed Assets | $5.87M |
| Cash and Balances due from Depository Institutions | $28.52M |
| Deposits Held in Domestic Offices | $369.91M |
Key Performance Ratios
| Return on Assets (ROA) | 1.85% |
| Return on Equity (ROE) | 18.25% |
| Net Interest Margin | 3.78% |
| Efficiency Ratio | 49.24% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.84% |
| Earning Assets to total Assets | 95.08% |
Income and Expense
| Total Interest Income | $5.93M |
| Total Noninterest Income | $233.00k |
| Total Interest Expense | $2.08M |
| Total Noninterest Expense | $2.01M |
| Net Interest Income | $3.85M |
| Pre-tax Net Operating Income | $2.07M |
| Provision for Credit Losses | $0 |
| 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 | $17.50M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $2.99M |
| Total Liabilities and Capital | $433.00M |
Securities
| Securities | $35.38M |
| Available-for-sale debt securities | $35.38M |
| 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 Waukon State Bank?
$433.00M as of the latest filing.
How much are Waukon State Bank's total deposits?
$369.91M in total deposits.
Where is Waukon State Bank located?
Waukon, IA.
What is the Net Interest Margin?
3.78%.
How many domestic offices does it operate?
4.
When was it established?
01/01/1871.
What is the Return on Assets (ROA)?
1.85%.
How much are total loans and leases?
$353.92M (latest filing).
What is the total interest income (latest filing)?
$5.93M.