Westbury Bank is a state-chartered bank headquartered in Waukesha, Wisconsin, in business for about 100 years. At the end of Q2 2026 it reported $771.9M in total assets and $698.0M in deposits, with 9 offices.
Based on its Q2 2026 filing, Westbury Bank scores 70/100, which we describe as strong. That is higher than only 43% of 2,650 banks with $100 million – $1 billion. Among 154 banks headquartered in Wisconsin, it ranks 88th. Its strongest component is loan quality (100/100; 0.00%), and its lowest is capital cushion (42/100; 9.20%).
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 fell 2 points (72 → 70), mostly because the earnings component weakened by 9 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 67 |
| Q3 2024 | 68 |
| Q4 2024 | 73 |
| Q1 2025 | 74 |
| Q2 2025 | 72 |
| Q3 2025 | 72 |
| Q4 2025 | 70 |
| Q1 2026 | 69 |
| Q2 2026 | 70 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.24% |
| Q3 2024 | 10.53% |
| Q4 2024 | 10.41% |
| Q1 2025 | 10.62% |
| Q2 2025 | 9.84% |
| Q3 2025 | 9.65% |
| Q4 2025 | 8.97% |
| Q1 2026 | 9.23% |
| Q2 2026 | 9.20% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.53% |
| Q3 2024 | 0.52% |
| Q4 2024 | 0.02% |
| Q1 2025 | 0.02% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.94% |
| Q3 2024 | 0.97% |
| Q4 2024 | 0.99% |
| Q1 2025 | 0.98% |
| Q2 2025 | 1.02% |
| Q3 2025 | 1.00% |
| Q4 2025 | 0.94% |
| Q1 2026 | 0.72% |
| Q2 2026 | 0.80% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 70 | $771.9M | 9.20% | 0.00% | 0.80% | 77.9% |
| Q1 2026 | 69 | $780.2M | 9.23% | 0.00% | 0.72% | 73.8% |
| Q4 2025 | 70 | $791.7M | 8.97% | 0.00% | 0.94% | 75.8% |
| Q3 2025 | 72 | $805.6M | 9.65% | 0.00% | 1.00% | 75.4% |
| Q2 2025 | 72 | $806.1M | 9.84% | 0.00% | 1.02% | 79.4% |
| Q1 2025 | 74 | $823.7M | 10.62% | 0.02% | 0.98% | 81.0% |
| Q4 2024 | 73 | $816.7M | 10.41% | 0.02% | 0.99% | 83.4% |
| Q3 2024 | 68 | $823.9M | 10.53% | 0.52% | 0.97% | 84.5% |
| Q2 2024 | 67 | $817.4M | 10.24% | 0.53% | 0.94% | 86.6% |
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 |
|---|---|---|---|---|---|
| Hiawatha National BankBank Hager City, WI | 41 out of 100, Below average | $781.3M | 10.8% | 5.32% | vs |
| Fortifi BankBank Berlin, WI | 58 out of 100, Moderate | $750.4M | 12.6% | 2.40% | vs |
| Bank of Prairie du SacBank Prairie Du Sac, WI | 88 out of 100, Very strong | $744.5M | 13.7% | 0.00% | vs |
| Chippewa Valley BankBank Hayward, WI | 74 out of 100, Strong | $735.8M | 8.7% | 0.22% | vs |
| Woodtrust BankBank Wisconsin Rapids, WI | 68 out of 100, Moderate | $734.8M | 10.9% | 1.33% | vs |
| Dairy State BankBank Rice Lake, WI | 80 out of 100, Strong | $730.3M | 12.0% | 0.06% | vs |
Deposit insurance
Is my money safe at Westbury Bank?
Yes. Westbury Bank is an FDIC-insured institution (FDIC certificate #28400). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 19.4% of deposits ($135.2M) 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 9.20%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.80% (benchmark: 10%).
9 locations
Branches
Westbury Bank lists 9 offices in 8 cities. Most locations:
- West Bend, WI (2)
- Brookfield, WI (1)
- Germantown, WI (1)
- Hartford, WI (1)
- Jackson, WI (1)
- Kewaskum, WI (1)
- Slinger, WI (1)
- Waukesha, WI (1)
HMDA 2025
Mortgage lending
In 2025, Westbury Bank reported 141 home-loan applications under HMDA (LEI 5493002XHCZ94X8YST31): 128 originated ($47,120,000 total), 4 denied, and 9 withdrawn or closed by the applicant. Its denial rate on decided applications was 3.0%, 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
- Westbury Bank
- Former names
- West Bend Savings Bank; West Bend Savings Bank, S.A.; West Bend Savings and Loan Association
- Type
- State-chartered bank
- FDIC certificate #
- 28400
- RSSD ID
- 524971
- Primary regulator
- FDIC
- Holding company
- Westbury Bcorp Inc
- Established
- January 1, 1926
- Headquarters
- N16w23250 Stone Ridge Dr, Waukesha, WI 53188
- Website
- westburybankwi.com
- Employees
- 115
Quick answers
Westbury Bank: common questions
Is Westbury Bank FDIC insured?
Yes. Westbury Bank is an FDIC-insured institution (FDIC certificate #28400). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Westbury Bank's TellerScore?
70 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 Westbury Bank ever failed?
There is no failure record for FDIC certificate #28400 in the FDIC failed bank list.
How many branches does Westbury Bank have?
9 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 |
| 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 |
| National Exchange Bank and TrustBank Fond Du Lac, WI | 88 out of 100, Very strong | $2.9B | 20.1% | 0.37% | vs |