🏦Bank Scorer

WAUKESHA STATE BANK

WAUKESHA, WI · Supervised by FDIC

Est. 1944FDIC #16,160RSSD: FDIC-16160
Part ofBANK STREET CAPITAL CORP→ View all charters
Outstanding Same

Current rating · Exam: December 2024

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 2.03%

Institution Profile

FDIC BankFind

Address

151 E Saint Paul Ave, WAUKESHA, WI

County

Waukesha County

Established

June 15, 1944

Total Assets

$1.6B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

December 1, 2024

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Dec 2028(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$1.6B

Total Deposits

$1.3B

Net Loans

$1.2B

Net Income

$8M

ROA

2.03%

ROE

18.67%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate8.28%Peer avg: 9.91%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

15

Branch Deposits

$1.3B

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202489480.2%8.28%
202391579.56%10.49%
20221,42580.7%7.86%
20211,95083.74%4.05%
20201,92578.86%4.99%
20191,16378.85%6.62%
20181,01675.3%9.15%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

11 previous ratings locked — dating back to 1993

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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