# WAUMANDEE STATE BANK
WAUMANDEE, WI · FDIC certificate 10384 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $345.5M | |
| Deposits | $301.2M | |
| Loans and leases | $253.6M | |
| Total equity | $38.3M | |
| Loans / deposits | 83.25% (p53 of band) | 82.04% |
| Liquid assets / assets | 21.86% (p39 of band) | |
| Uninsured deposits / deposits | 9.44% (p4 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.01% (p34 of band) | |
| FHLB advances / assets | 1.01% | |
| Tier 1 leverage | 9.39% (p20 of band) | 10.81% |
| Unrealized securities loss / equity | -4.43% (p66 of band) | -8.10% |
| AOCI / equity | -0.47% (p43 of band) | |
| ROA (annualized) | 1.16% (p43 of band) | 1.28% |
| Net interest margin | 4.23% (p69 of band) | 3.91% |
| Efficiency ratio | 61.99% (p52 of band) | |
| Noncurrent loans | 0.60% (p59 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p37 of band) | |
| Reserve coverage of noncurrent | 190.87% | |
| Real estate % of loans | 74% | |
| Construction % of loans | 23.43% (p29 of band) | |
| Auto loans | $5.9M (2.32% of loans; DQ 0.68%, NCO 0.00%) | |
| Loans to nondepository financials | $2.4M (6% of equity) (p95 of band) | |
| Deposits YoY | 4.1% | |
| Employees | 72 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 0 |  | reserve under noncurrent |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 1 | uninsured deposits leaving |  |
| 2014-12 | 1 | capital falling | uninsured deposits leaving |
| 2015-03 | 0 |  | capital falling |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 2 | capital falling, uninsured deposits leaving |  |
| 2016-12 | 1 | reserve under noncurrent | capital falling, uninsured deposits leaving |
| 2017-03 | 2 | charge-offs p90 |  |
| 2017-06 | 2 | capital falling | charge-offs p90 |
| 2017-09 | 3 | charge-offs p90 |  |
| 2017-12 | 1 |  | reserve under noncurrent, capital falling |
| 2018-03 | 0 |  | charge-offs p90 |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | uninsured deposits leaving |  |
| 2020-03 | 0 |  | uninsured deposits leaving |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 0 |  | capital falling |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | capital falling |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 0 |  | capital falling |
| 2022-12 | 0 |  |  |
| 2023-03 | 2 | expense ratio p90, deposits shrinking |  |
| 2023-06 | 2 | uninsured deposits leaving | expense ratio p90 |
| 2023-09 | 1 |  | deposits shrinking |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 0 |  | uninsured deposits leaving |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 1 | charge-offs p90 |  |
| 2025-06 | 1 | reserve under noncurrent | charge-offs p90 |
| 2025-09 | 2 | charge-offs p90 |  |
| 2025-12 | 0 |  | reserve under noncurrent, charge-offs p90 |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-07-19 [Gerald "Gerry" Wojchik Obituary Jul 19, 2026 - Talbot Family Funeral Home](https://news.google.com/rss/articles/CBMibEFVX3lxTFB2YmZxdXgwZlZNQzFMTXNadFJnU3l2R09vd3NIRnF0VDBLUDR3TTNaOEFRbnZPM3lsYi1SVjg1WmtaRnU4bVc3aTFaUXM1VThQS0N5SG93aTNVa01KVkRpZHBuN3FJY21Fbm40NQ?oc=5) · Talbot Family Funeral Home
- 2026-04-24 [Wisconsin Bankers Association announces 7 grants totaling $50K supporting financial literacy - channel3000.com](https://news.google.com/rss/articles/CBMihAJBVV95cUxOMzFBenA0RjVQRFlkZ1FDb29XSk5NU2ZmODYwcmVBTUpZUWxYbmU2elJZOEJ5SDd4UGZwRFZya0pULWhGS21qcEtGYm5td2tSWW1GRnF6SEZhTHNPcDVIakpfOHYwamdqd21qcUVoQk81d2MyUnNXaHQ3d0pTZGcxcDBGTEkxOWxPb1hjN0hMMjljVG1yYXFiYVdZRlJUekRPY0o1d3ctemdtWWtyUE1VMmtsUlY2dENORkpGNjlvYjRFQWRscGxVY0RPbW5GR3pqenByN2dxTG8ya3hQOExfRlg4ZTJKc29aQmprNm5ONUQxSTBNZ0VCZ01GcHNMNHpiRFdNbw?oc=5) · channel3000.com
- 2021-09-22 [Google Pay growth continues to explode, with dozens upon dozens of new banks signing on - androidpolice.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxQRjVBSkRYUnhSaHFFUTJvZGt2X0R0RnZtcWp6MUUtQjR3R3RXNmc1Umo4Q3NaV0VKVVpsYTRCSVkzb0dfdmhWS05ZWnpQYWh6d3gzc0VVVzBCYXM0MnBCbG9kekdMdnBfZk9selhhTkhDV2pCMGxUNXVlNG5wMmpodURVQWxjanVxT0VhYQ?oc=5) · androidpolice.com
- 2024-12-27 [Joan Marie Mayer Obituary (2024) - Eau Claire, WI - Smith Funeral Chapel - Eau Claire - legacy.com](https://news.google.com/rss/articles/CBMifkFVX3lxTE45V2JlbjkzRzB6UFp1bWp5cFNZUWVMWlNGSkJNMGZtTllVbkFFNkJ5MlBkLU8yTzRSWmVhZzZXM1lFQjhZek5tS21NWWR1Q0ZwTENfWk92eFZ3VmdNSndoX0F1eE5QdW8ySXlVTU9sNHlyMTU1TXVDeHdTbUlXUQ?oc=5) · legacy.com
- 2019-07-23 [Aloysius "Al" Slaby Obituary Jul 23, 2019 - Talbot Family Funeral Home](https://news.google.com/rss/articles/CBMibEFVX3lxTFBscHQwV1VQYWk0aXFRVDh3TnBWa1dXSXNSWFM3WExVSko1cVFISkh0RUFvZThRSnNobGxKd2JfX2lPUzF3X2wwNmpGRjlpZy1WZFQyVmJYNmFQdUxxbVlSWnB1dmYzU0JlVDhvZw?oc=5) · Talbot Family Funeral Home
- 2016-06-06 [Learn about CCC Camp Cochrane! - winonapost.com](https://news.google.com/rss/articles/CBMisAFBVV95cUxNSzhreFl5RHZUOHBtSTBieDR4RXBDbEJ1TlBGUWZRWUotcXhOMnhMcHkyM3FlYTJ2MTA5V3NiOTBrUWN6Ynd1eGlRclc2eVdQNVdUNXAyMHdjY2pqdUZuaG40THdGUFhxRzR2YUNSbzRTcFJ1RWJtai1kN0YyS2drMXNjcVE3T3ItR1d0ZEd5eVQ1OW9NU3lBUVNoZ0FLSmlNaDZnYXNselduMHhDYUtubw?oc=5) · winonapost.com
- 2021-08-24 [Brone, Judee - winonapost.com](https://news.google.com/rss/articles/CBMirgFBVV95cUxORGk0N1M5SnBTUl85Q1FZak9tcFFPc2FmY2lWOVhqTGstRkV0WmZxa19JdkM1VkNoZnYtaUtUdThKNU9fMXV4dWJLZHlyaTZxVGZCYXNFQVBwX2FvVVFENW82SDc5RXFCUXFLeWxFRzV6cHp0enN5U1lUNzJISzVMM09uUVVKSEI5UG1NU2NhVnBvWGYyRkczMzBrMWFGdFNISHl1TkNKaG4zSU9VMFE?oc=5) · winonapost.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=10384 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/16.json (key "10384", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide