Waukesha State Bank (FDIC certificate #16160) is based in Waukesha, Wisconsin. Its Q2 2026 call report shows $1.6B in total assets and $1.3B in deposits and 15 offices.
Based on its Q2 2026 filing, Waukesha State Bank scores 80/100, which we describe as strong. That is higher than 90% of 897 banks with $1 billion – $10 billion. Among 154 banks headquartered in Wisconsin, it ranks 41st. Its strongest component is earnings (100/100; 2.38%), and its lowest is funding & liquidity (50/100; 93% loans-to-deposits, 30% uninsured).
TellerScore · Q2 2026
Scorecard
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
The score has been essentially flat from Q2 2025 to Q2 2026 (81 → 80).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 78 |
| Q3 2024 | 79 |
| Q4 2024 | 75 |
| Q1 2025 | 74 |
| Q2 2025 | 81 |
| Q3 2025 | 80 |
| Q4 2025 | 76 |
| Q1 2026 | 74 |
| Q2 2026 | 80 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.79% |
| Q3 2024 | 12.13% |
| Q4 2024 | 11.89% |
| Q1 2025 | 11.40% |
| Q2 2025 | 11.87% |
| Q3 2025 | 11.91% |
| Q4 2025 | 11.92% |
| Q1 2026 | 10.69% |
| Q2 2026 | 11.51% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.50% |
| Q3 2024 | 0.42% |
| Q4 2024 | 0.68% |
| Q1 2025 | 0.59% |
| Q2 2025 | 0.38% |
| Q3 2025 | 0.36% |
| Q4 2025 | 0.51% |
| Q1 2026 | 0.58% |
| Q2 2026 | 0.25% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.71% |
| Q3 2024 | 1.70% |
| Q4 2024 | 1.62% |
| Q1 2025 | 1.63% |
| Q2 2025 | 2.08% |
| Q3 2025 | 1.97% |
| Q4 2025 | 1.70% |
| Q1 2026 | 2.03% |
| Q2 2026 | 2.38% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 80 | $1.6B | 11.51% | 0.25% | 2.38% | 93.2% |
| Q1 2026 | 74 | $1.6B | 10.69% | 0.58% | 2.03% | 95.6% |
| Q4 2025 | 76 | $1.6B | 11.92% | 0.51% | 1.70% | 93.3% |
| Q3 2025 | 80 | $1.6B | 11.91% | 0.36% | 1.97% | 90.0% |
| Q2 2025 | 81 | $1.5B | 11.87% | 0.38% | 2.08% | 88.4% |
| Q1 2025 | 74 | $1.5B | 11.40% | 0.59% | 1.63% | 89.9% |
| Q4 2024 | 75 | $1.5B | 11.89% | 0.68% | 1.62% | 91.5% |
| Q3 2024 | 79 | $1.5B | 12.13% | 0.42% | 1.70% | 88.0% |
| Q2 2024 | 78 | $1.5B | 11.79% | 0.50% | 1.71% | 88.8% |
897 peers · $1 billion – $10 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).
Similar-size banks in Wisconsin
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Horicon BankBank Horicon, WI | 63 out of 100, Moderate | $1.7B | 9.7% | 0.93% | vs |
| The Park BankBank Madison, WI | 64 out of 100, Moderate | $1.5B | 10.7% | 0.24% | vs |
| Peoples State BankBank Wausau, WI | 56 out of 100, Moderate | $1.5B | 10.2% | 1.40% | vs |
| Bankers' BankBank Madison, WI | 69 out of 100, Moderate | $1.5B | 14.7% | 0.55% | vs |
| CCFBank National AssociationBank Altoona, WI | 50 out of 100, Below average | $1.8B | 11.2% | 2.28% | vs |
| Tri City National BankBank Oak Creek, WI | 71 out of 100, Strong | $2.0B | 11.1% | 0.51% | vs |
Deposit insurance
Is my money safe at Waukesha State Bank?
Yes. Waukesha State Bank is an FDIC-insured institution (FDIC certificate #16160). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 30.1% of deposits ($387.9M) are above the $250,000 FDIC insurance limit, close to the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 11.51%, 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%).
15 locations
Branches
Waukesha State Bank lists 14 offices in 10 cities. Most locations:
- Waukesha, WI (5)
- Brookfield, WI (1)
- Delafield, WI (1)
- Menomonee Falls, WI (1)
- Mukwonago, WI (1)
- Muskego, WI (1)
- New Berlin, WI (1)
- Oconomowoc, WI (1)
- Pewaukee, WI (1)
- Sussex, WI (1)
HMDA 2025
Mortgage lending
In 2025, Waukesha State Bank reported 888 home-loan applications under HMDA (LEI 5493003H8ECZKN77IZ88): 745 originated ($294,365,000 total), 66 denied, and 41 withdrawn or closed by the applicant. Its denial rate on decided applications was 7.8%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Waukesha State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 16160
- RSSD ID
- 290249
- Primary regulator
- FDIC
- Holding company
- Bank Street Capital Corp
- Established
- June 15, 1944
- Headquarters
- 151 E Saint Paul Ave, Waukesha, WI 53188
- Website
- www.waukeshabank.com
- Employees
- 337
Quick answers
Waukesha State Bank: common questions
Is Waukesha State Bank FDIC insured?
Yes. Waukesha State Bank is an FDIC-insured institution (FDIC certificate #16160). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Waukesha State Bank's TellerScore?
80 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Waukesha State Bank ever failed?
There is no failure record for FDIC certificate #16160 in the FDIC failed bank list.
How many branches does Waukesha State Bank have?
15 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Waukesha
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Raleigh Co. Educators Federal Credit UnionCredit union Beckley, WV | 97 out of 100, Very strong | $21.3M | 26.3% | 0.04% | vs |
| Ferko Md Federal Credit UnionCredit union Frederick, MD | 94 out of 100, Very strong | $30.1M | 19.4% | 0.58% | vs |
| Northwestern Mutual Wealth ManagementBank Milwaukee, WI | 93 out of 100, Very strong | $557.7M | 55.0% | 0.00% | vs |
| Umatilla County Federal Credit UnionCredit union Pendleton, OR | 92 out of 100, Very strong | $47.7M | 19.0% | 0.06% | vs |
| Kbr Heritage Federal Credit UnionCredit union Houston, TX | 90 out of 100, Very strong | $76.4M | 22.6% | 0.39% | vs |
| First Citizens State BankBank Whitewater, WI | 90 out of 100, Very strong | $525.2M | 18.0% | 0.00% | vs |