What is Waldo State Bank's financial health grade?

Waldo State Bank has a TFS Financial Health Grade of C (score: 67.5/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does Waldo State Bank have?

Waldo State Bank has 1 branch location across the United States.

Is Waldo State Bank FDIC insured?

Yes, Waldo State Bank is FDIC insured (Certificate #8700).

What are the total assets of Waldo State Bank?

Waldo State Bank has total assets of $153.4M as reported in its most recent FDIC filing.

Waldo State Bank: Safety Grade & Financial Health

BankWaldo, Wisconsin

www.waldostate.bank

Total Assets

$153.4M

Total Deposits

$132.0M

Branches

Established

1913

Waldo State Bank is a bank headquartered in Waldo, Wisconsin, established in 1913. It holds $153.4M in total assets across 1 branch locations. In our editorial opinion, based on public FDIC/NCUA data, Waldo State Bank earns a TFS Financial Health Grade of C (67.5/100) — our editorial assessment, not an official rating or financial advice.

TFS Health Grade

67.5 / 100

Average financial health

How we grade

TFS Health Grades are our editorial opinion based on public FDIC/NCUA data — not an official rating, not financial advice.

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Capital & Safety

Tier 1 Capital Ratio

10.03%(8%)

Total Capital Ratio

0.00%(10%)

Non-Performing Loan Ratio

2.15%

Profitability

Return on Assets (ROA)

0.68%(1%)

Return on Equity (ROE)

7.34%(10%)

Net Interest Margin

3.46%

Efficiency Ratio

72.86%(60%)

Lending & Liquidity

Total Loans

$117.2M

Loan-to-Deposit Ratio

88.15%

Net Charge-Off Ratio

Other banks in Wisconsin

Associated Bank, National Association

Bank

Green Bay, WI

$45.1B

Nicolet National Bank

Bank

Green Bay, WI

$9.2B

B+

SUMMIT

Madison, WI

$8.1B

LANDMARK

Growth

Asset Growth (YoY)

+6.09%

Deposit Growth (YoY)

+16.90%

Net Income

$1.0M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

No CFPB complaints found for this institution.

Data sourced from CFPB Consumer Complaint Database. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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Branch	Address	City	State	Type
Waldo State BankHQ	119 Depot St	Waldo	WI	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Institution Details

Institution TypeBank

FDIC Certificate #8700

Primary RegulatorFDIC

FDIC/NCUA InsuredYes

Data sourced from FDIC / NCUA. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

TFS Financial Health Grades represent our editorial assessment based on publicly available data and our proprietary methodology. They do not represent financial advice or an official government rating. Data on this page is sourced from federal government databases and is believed to be accurate.