TellerScore

Waldo State Bank is a state-chartered bank headquartered in Waldo, Wisconsin, in business for about 113 years. At the end of Q2 2026 it reported $154.2M in total assets and $127.4M in deposits, with 1 office.

Waldo State Bank has a TellerScore of 47 out of 100 (below average) based on Q2 2026 data — higher than only 5% of its 2,650 banks with $100 million – $1 billion. Among 154 banks headquartered in Wisconsin, it ranks 146th. Funding & liquidity contributes the most (68/100, 92% loans-to-deposits, 9% uninsured); loan quality contributes the least (19/100, 2.44%).

TellerScore · Q2 2026

Scorecard

Capital cushion53/100
Tier 1 leverage ratio: 10.28%
Loan quality19/100
Noncurrent loans ÷ total loans: 2.44%
Earnings47/100
Return on assets (annualized): 0.68%
Funding & liquidity68/100
Loans ÷ deposits and uninsured-deposit share: 92.1% · 9.1% uninsured
Problem-loan coverage64/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 17.96%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 7 points (54 → 47), mostly because the loan quality component weakened by 34 points.

TellerScore
465666Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202466
Q3 202465
Q4 202461
Q1 202564
Q2 202554
Q3 202546
Q4 202549
Q1 202650
Q2 202647
Tier 1 leverage ratio
5.00%7.94%10.87%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.87%
Q3 202410.69%
Q4 202410.33%
Q1 202510.00%
Q2 20259.74%
Q3 202510.01%
Q4 202510.03%
Q1 202610.20%
Q2 202610.28%
Noncurrent loans
0.49%1.47%2.44%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.49%
Q3 20240.57%
Q4 20240.87%
Q1 20250.60%
Q2 20251.42%
Q3 20252.39%
Q4 20252.15%
Q1 20262.02%
Q2 20262.44%
Return on assets
0.61%0.79%0.97%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.61%
Q3 20240.67%
Q4 20240.80%
Q1 20250.97%
Q2 20250.76%
Q3 20250.77%
Q4 20250.68%
Q1 20260.65%
Q2 20260.68%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202647$154.2M10.28%2.44%0.68%92.1%
Q1 202650$153.4M10.20%2.02%0.65%91.6%
Q4 202549$153.4M10.03%2.15%0.68%88.1%
Q3 202546$151.1M10.01%2.39%0.77%93.6%
Q2 202554$155.8M9.74%1.42%0.76%95.0%
Q1 202564$152.6M10.00%0.60%0.97%99.4%
Q4 202461$144.6M10.33%0.87%0.80%104.9%
Q3 202465$136.2M10.69%0.57%0.67%102.6%
Q2 202466$129.0M10.87%0.49%0.61%100.4%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.28%
37th
Total risk-based capital0.00%
24th
Problem loans2.44%
9th
Net charge-offs-0.01%
85th
Return on assets0.68%
18th
Net interest margin3.54%
29th
Efficiency ratio74.9%
20th
Loans to deposits92.1%
22nd
Uninsured deposits9.1%
95th
Loan-loss reserves0.81%
11th
Texas ratio18.0%
8th

Similar-size banks in Wisconsin

InstitutionScoreAssetsCapitalProblem loansCompare
Bluff View BankBank Galesville, WI90 out of 100, Very strong$152.8M14.9%0.00%vs
Oakwood BankBank Pigeon Falls, WI62 out of 100, Moderate$156.4M8.5%0.84%vs
GreenLeaf BankBank Greenleaf, WI69 out of 100, Moderate$158.7M9.6%0.58%vs
First Community BankBank Milton, WI77 out of 100, Strong$158.9M10.4%0.34%vs
The Pineries BankBank Stevens Point, WI83 out of 100, Strong$149.1M11.3%0.00%vs
Bank of CashtonBank Cashton, WI79 out of 100, Strong$146.1M10.9%0.00%vs

Deposit insurance

Is my money safe at Waldo State Bank?

Yes. Waldo State Bank is an FDIC-insured institution (FDIC certificate #8700). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 9.1% of deposits ($11.6M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.28%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

1 location

Branches

Waldo State Bank lists 1 office in 1 city. Most locations:

  • Waldo, WI (1)

All branch addresses and map

Identity & history

Profile

Legal name
Waldo State Bank
Type
State-chartered bank
FDIC certificate #
8700
RSSD ID
131940
Primary regulator
FDIC
Established
January 1, 1913
Headquarters
119 Depot St, Waldo, WI 53093
Employees
23

Quick answers

Waldo State Bank: common questions

Is Waldo State Bank FDIC insured?

Yes. Waldo State Bank is an FDIC-insured institution (FDIC certificate #8700). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Waldo State Bank's TellerScore?

47 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Waldo State Bank ever failed?

There is no failure record for FDIC certificate #8700 in the FDIC failed bank list.

How many branches does Waldo State Bank have?

1 office as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Waldo

InstitutionScoreAssetsCapitalProblem loansCompare
Sheboygan Area Credit UnionCredit union Sheboygan, WI97 out of 100, Very strong$93.4M15.3%0.13%vs
State Bank of NewburgBank Newburg, WI93 out of 100, Very strong$328.1M17.3%0.00%vs
National Exchange Bank and TrustBank Fond Du Lac, WI88 out of 100, Very strong$2.9B20.1%0.37%vs
Oostburg State BankBank Oostburg, WI79 out of 100, Strong$440.2M11.6%0.13%vs
Premier Financial Credit UnionCredit union New Holstein, WI78 out of 100, Strong$132.4M13.6%0.95%vs
Johnson BankBank Racine, WI73 out of 100, Strong$7.1B12.3%0.23%vs