Waumandee State Bank is a state-chartered bank headquartered in Waumandee, Wisconsin, in business for about 112 years. At the end of Q2 2026 it reported $345.5M in total assets and $301.2M in deposits, with 8 offices.
Based on its Q2 2026 filing, Waumandee State Bank scores 67/100, which we describe as moderate. That is higher than only 34% of 2,650 banks with $100 million – $1 billion. Among 154 banks headquartered in Wisconsin, it ranks 109th. Its strongest component is problem-loan coverage (89/100; 5.3%), and its lowest is capital cushion (44/100; 9.39%).
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
From Q2 2025 to Q2 2026, the score rose 16 points (51 → 67), mostly because the loan quality component improved by 39 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 62 |
| Q3 2024 | 61 |
| Q4 2024 | 61 |
| Q1 2025 | 59 |
| Q2 2025 | 51 |
| Q3 2025 | 55 |
| Q4 2025 | 65 |
| Q1 2026 | 65 |
| Q2 2026 | 67 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.03% |
| Q3 2024 | 9.14% |
| Q4 2024 | 9.28% |
| Q1 2025 | 9.05% |
| Q2 2025 | 9.25% |
| Q3 2025 | 9.24% |
| Q4 2025 | 9.28% |
| Q1 2026 | 9.27% |
| Q2 2026 | 9.39% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.38% |
| Q3 2024 | 0.55% |
| Q4 2024 | 0.73% |
| Q1 2025 | 0.84% |
| Q2 2025 | 1.78% |
| Q3 2025 | 1.40% |
| Q4 2025 | 0.75% |
| Q1 2026 | 0.79% |
| Q2 2026 | 0.60% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.55% |
| Q3 2024 | 0.61% |
| Q4 2024 | 0.68% |
| Q1 2025 | 0.58% |
| Q2 2025 | 0.74% |
| Q3 2025 | 0.80% |
| Q4 2025 | 1.21% |
| Q1 2026 | 1.06% |
| Q2 2026 | 1.16% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 67 | $345.5M | 9.39% | 0.60% | 1.16% | 83.2% |
| Q1 2026 | 65 | $350.6M | 9.27% | 0.79% | 1.06% | 80.7% |
| Q4 2025 | 65 | $350.6M | 9.28% | 0.75% | 1.21% | 86.3% |
| Q3 2025 | 55 | $342.3M | 9.24% | 1.40% | 0.80% | 90.5% |
| Q2 2025 | 51 | $341.3M | 9.25% | 1.78% | 0.74% | 89.4% |
| Q1 2025 | 59 | $338.4M | 9.05% | 0.84% | 0.58% | 88.3% |
| Q4 2024 | 61 | $340.2M | 9.28% | 0.73% | 0.68% | 91.0% |
| Q3 2024 | 61 | $331.1M | 9.14% | 0.55% | 0.61% | 91.3% |
| Q2 2024 | 62 | $329.2M | 9.03% | 0.38% | 0.55% | 90.9% |
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).
Similar-size banks in Wisconsin
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First National Community BankBank New Richmond, WI | 71 out of 100, Strong | $345.3M | 9.4% | 0.16% | vs |
| Citizens First BankBank Viroqua, WI | 75 out of 100, Strong | $344.5M | 10.3% | 0.44% | vs |
| Cumberland Federal Bank, FSBBank Cumberland, WI | 78 out of 100, Strong | $341.6M | 10.1% | 0.19% | vs |
| Bank of AlmaBank Alma, WI | 83 out of 100, Strong | $339.5M | 50.8% | 0.97% | vs |
| Sterling BankBank Barron, WI | 77 out of 100, Strong | $352.4M | 9.4% | 0.02% | vs |
| Clare Bank, National AssociationBank Platteville, WI | 72 out of 100, Strong | $332.5M | 11.6% | 0.85% | vs |
Deposit insurance
Is my money safe at Waumandee State Bank?
Yes. Waumandee State Bank is an FDIC-insured institution (FDIC certificate #10384). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 9.4% of deposits ($28.4M) 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 9.39%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.00% (benchmark: 10%).
8 locations
Branches
Waumandee State Bank lists 8 offices in 8 cities. Most locations:
- Arcadia, WI (1)
- Black River Falls, WI (1)
- Blair, WI (1)
- Durand, WI (1)
- Fountain City, WI (1)
- Mondovi, WI (1)
- Waumandee, WI (1)
- Whitehall, WI (1)
Identity & history
Profile
- Legal name
- Waumandee State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 10384
- RSSD ID
- 780955
- Primary regulator
- FDIC
- Holding company
- Waumandee Bancshares Ltd
- Established
- January 1, 1914
- Headquarters
- S2021 County Road U, Waumandee, WI 54622
- Website
- www.waumandeebank.com
- Employees
- 72
Quick answers
Waumandee State Bank: common questions
Is Waumandee State Bank FDIC insured?
Yes. Waumandee State Bank is an FDIC-insured institution (FDIC certificate #10384). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Waumandee State Bank's TellerScore?
67 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Waumandee State Bank ever failed?
There is no failure record for FDIC certificate #10384 in the FDIC failed bank list.
How many branches does Waumandee State Bank have?
8 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Waumandee
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Bluff View BankBank Galesville, WI | 90 out of 100, Very strong | $152.8M | 14.9% | 0.00% | vs |
| Bank of AlmaBank Alma, WI | 83 out of 100, Strong | $339.5M | 50.8% | 0.97% | vs |
| Arcadia Credit UnionCredit union Arcadia, WI | 79 out of 100, Strong | $144.2M | 12.9% | 0.46% | vs |
| Wnb Financial, N.A.Bank Winona, MN | 76 out of 100, Strong | $583.7M | 10.3% | 0.08% | vs |
| Minnesota First Credit and Savings, IncorporatedBank Rochester, MN | 76 out of 100, Strong | $29.9M | 14.2% | 0.12% | vs |
| Independence State BankBank Independence, WI | 75 out of 100, Strong | $84.2M | 10.4% | 0.00% | vs |