# WESTBURY BANK
WAUKESHA, WI · FDIC certificate 28400 · 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 | $771.9M | |
| Deposits | $698.0M | |
| Loans and leases | $549.3M | |
| Total equity | $64.5M | |
| Loans / deposits | 77.86% (p41 of band) | 82.04% |
| Liquid assets / assets | 24.13% (p48 of band) | |
| Uninsured deposits / deposits | 19.37% (p26 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.20% (p16 of band) | 10.81% |
| Unrealized securities loss / equity | -15.42% (p30 of band) | -8.10% |
| AOCI / equity | 0.27% (p88 of band) | |
| ROA (annualized) | 0.80% (p21 of band) | 1.28% |
| Net interest margin | 4.12% (p62 of band) | 3.91% |
| Efficiency ratio | 78.61% (p87 of band) | |
| Noncurrent loans | 0.00% (p4 of band) | 0.43% |
| Net charge-offs (annualized) | 0.02% (p64 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 86% | |
| Construction % of loans | 17.79% (p23 of band) | |
| Auto loans | $117,000 (0.02% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $1.8M (3% of equity) (p92 of band) | |
| Deposits YoY | -3.7% | |
| Employees | 115 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | losing money, expense ratio p90, reserve under noncurrent |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 4 | capital falling |  |
| 2011-12 | 5 | leverage <7% |  |
| 2012-03 | 3 | deposits shrinking, assets shrinking | losing money, expense ratio p90, capital falling, leverage <7% |
| 2012-06 | 5 | charge-offs p90, uninsured deposits leaving |  |
| 2012-09 | 4 |  | charge-offs p90 |
| 2012-12 | 3 |  | uninsured deposits leaving |
| 2013-03 | 2 | charge-offs p90 | deposits shrinking, assets shrinking |
| 2013-06 | 3 | deposits shrinking |  |
| 2013-09 | 3 |  |  |
| 2013-12 | 3 |  |  |
| 2014-03 | 6 | losing money, expense ratio p90, assets shrinking, uninsured deposits leaving | charge-offs p90 |
| 2014-06 | 3 | capital falling | reserve under noncurrent, deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2014-09 | 3 |  |  |
| 2014-12 | 3 |  |  |
| 2015-03 | 1 |  | losing money, expense ratio p90 |
| 2015-06 | 2 | expense ratio p90 |  |
| 2015-09 | 2 |  |  |
| 2015-12 | 1 |  | expense ratio p90 |
| 2016-03 | 0 |  | capital falling |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | capital falling |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 0 |  | capital falling |
| 2018-03 | 0 |  |  |
| 2018-06 | 2 | capital falling, uninsured deposits leaving |  |
| 2018-09 | 0 |  | capital falling, uninsured deposits leaving |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | reserve under noncurrent |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 2 | capital falling |  |
| 2020-09 | 1 |  | capital falling |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 | capital falling | reserve under noncurrent |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 1 | reserve under noncurrent |  |
| 2022-09 | 4 | capital falling, AOCI drag >20% of equity, securities losses >30% of equity, noncurrent p90 | reserve under noncurrent |
| 2022-12 | 0 |  | capital falling, AOCI drag >20% of equity, securities losses >30% of equity, noncurrent p90 |
| 2023-03 | 1 | noncurrent p90 |  |
| 2023-06 | 4 | charge-offs p90, deposits shrinking, assets shrinking, uninsured deposits leaving | noncurrent p90 |
| 2023-09 | 4 |  |  |
| 2023-12 | 4 |  |  |
| 2024-03 | 2 |  | charge-offs p90, uninsured deposits leaving |
| 2024-06 | 1 |  | deposits shrinking |
| 2024-09 | 0 |  | assets shrinking |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 1 | capital falling |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 | assets shrinking | capital falling |
| 2026-06 | 0 |  | assets shrinking |

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

- 2026-05-06 [Westbury Bank celebrates 100 years of serving Washington County - GMToday.com](https://news.google.com/rss/articles/CBMiuAFBVV95cUxQN25BTU1KSXViQkVqSGp3THV6OVlHY0xTalRhMFEyeVFUdUlzSDdIcHItOGF5TTdvdFZNNEtoRjN5NGVNT0pDUlJ5MFdObFFzSjRWSWRpMWRad21XbTJndm1tRngtcGZ4RmlYUTFpWGllYjU1b3l1cENuYWdRalpTMkp3NnVUYW54cUJlQjNfSnBXMjFvU3c5UXZuZndUWnRYbHFheHZqaWVzQWp5Y2FmeC13ZzVlSkR4?oc=5) · GMToday.com
- 2026-06-26 [Westbury Bank Aqua Park receives Governor’s Outdoor Industry Award - GMToday.com](https://news.google.com/rss/articles/CBMiyAFBVV95cUxNNGlqTUdidWJveFNXM1ZkbWNyRTZEc0M0eV9mWXhLQ3BhSzRfQkJJdDJORkc5NGgwajItZ25YRlRqSC1Oc0FzdXJsZDdjai02MlJzZ2lRRHVDRi13Q1I4Q3BBMVFnOVV4b3gtVFkyNXp6dDBDT0pLdFNNOU45YWt3VXR6WEZBZmNxYnRjc1JiWlFWOS0weExUZzQ2dG16aGkyUW50ZjQwZThrWUNUY0llUlRaZWhlMUhaQy1YWFFUQ3lBa0YwSndiMg?oc=5) · GMToday.com
- 2020-04-22 [Milwaukee's Coolest Offices: Westbury Bank HQ includes clubhouse, golf simulator - The Business Journals](https://news.google.com/rss/articles/CBMipAFBVV95cUxORnpLdjZ6eDkzVXJkSDR0aFFfZ0F5NkszNEUwd2V1a0VzZmJDOGl1djc1MnpmV3RCWFRBUlExSW50ZEhXNnFyVTY3SUp1amZGTjN0V25zSkpHSzkydzRmWXRhRFB0dXpnaEFUVDFRQm1FaUlSOUJCYUpBeEZKZmlZekVHOWRCOHpyVWZreFM2MHlfakRkdEZUUVZYZGMyemZmbHVhZA?oc=5) · The Business Journals
- 2015-07-16 [Westbury Bancorp, Inc. Names Greg Remus Chief Executive Officer - PR Newswire](https://news.google.com/rss/articles/CBMiuAFBVV95cUxPaC1odTdqeDhxZXRWZEFMdUsxTXg4UzhDM1VPejNzY1pmYk1TUjBNZzNFYkwyWV9ub25mekl4NWNoQk1xcENVWnNQU1ZHSElKaDZqUmtTRmh4Q0dJVzI4OE5ub01Qc1NLZ3V6N1I5ZEZWUWVPLTN1bUxzbWlQNFhQaEdQY1VTdXZrV3BfLTZ1SDVEaHI1YlJydUh0Q1Q4ZzMwUmxDUzNsaUZSVjBaS2RmQS1UV2dnYU1P?oc=5) · PR Newswire
- 2019-05-30 [Fire at Westbury Bank in Kewaskum - Washington County Insider](https://news.google.com/rss/articles/CBMif0FVX3lxTE54bUhTbUg4UkhkQXlkNFJkY3FVMlA0a2pqOW5TUmdrbnZVaEtBTWV3aVVVTU5BSzZaZTlkZEFyU0xRUlhaWHQ3ZmtlR2JRa1NMOHUwVXpuZ2tfWVlBMzNqUzJtVjdSXzNNLWlTT2lzZmtYS2NBR3BtemtlMUlWYXc?oc=5) · Washington County Insider
- 2023-11-04 [Emerich named to Board of Directors at Westbury Bank and Westbury Bancorp, Inc. - GMToday.com](https://news.google.com/rss/articles/CBMi-wFBVV95cUxQcEwwdnVDeG10TE84cTdWZzI4Uy02ZUJMVnJxNjdPcjJfV29RbUM2cVRMajFLZGI3VXcwNVdJelVKNXc5eW9NTWs3aElKRk1LZF9GWkwyM2s4cEJockJCbkpORm4wNkZ1NG0wRE9lTmU4dlk3UWNQdmdkbDBRS1hIb0J6QUFBaWp5b0s3eXF2S1VLV2xlbDBybHUtV1lVYlJpZm1qM3NYQkI0TzZzMzRUQ3VLdnIyamtsTU9jVXdsQTd2Q0VOdV81U256cXE2Vk5vNHA5NVJadHNid1d2WlMySXBDQXhkSUp2Q2F4bUg2UXBOdVd3QU1HOGwxbw?oc=5) · GMToday.com
- 2019-05-30 [Update on fire at Westbury Bank in Kewaskum | By Kewaskum Fire Chief Mark Groeschel - Washington County Insider](https://news.google.com/rss/articles/CBMivwFBVV95cUxNYjlxazJyNThjWGViMFBUNnNSb2QtN2F3c09KMWJYY0NOODhFdVE2LUpfX2pLV1FCRmJvZ2JMUFBFQ0hLeFBkS0R6UGJJalU0VFJaYkwzVklGR09sLTZwN012S1RiTlB5ZXdjTUE1UGRtNnQ2d0Fnamp0LS1fY2dJeWw3bERocFpxSHItWWdMVnFDSmc3Yzc0aVRFakxCVGtzbDZnRnUwZ1NtajNSUnA4YWRJcnVrNUpyaHY2akV2RQ?oc=5) · Washington County Insider
- 2016-05-18 [Meritorious Service Award for officers responding to Westbury Bank robbery - Washington County Insider](https://news.google.com/rss/articles/CBMitgFBVV95cUxNYjEzd1VDOHB2UExpV1FzQU5neXFudW1xLXhXQ1lGOFp1clA0czQ3OFpIZGdlSURTeGgwY3JoSEZFZTU4eGN6cUM4S2pIMHBjZTBXc1ZNSnFvOG5QS0xERlJISW5LSExaZmdZWkFvb2V5N2NaNGVXSlVza093U0hDMjFGNzZHYXMxZFl4OVZCbnZieGdHdWUxbUJSSjlQT1hzaWdCa2R5czFLVWFGUWVBQ2VUa0NHdw?oc=5) · Washington County Insider

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=28400 (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/48.json (key "28400", 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.

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