Waumandee State Bank (FDIC #10384): Bank Stress & Real-Estate Credit Exposure
Waumandee State Bank (FDIC Cert #10384): bank stress 64/100, elevated, STABLE over 7 days; parent WAUMANDEE BANCSHARES LTD.
Waumandee State Bank (#10384) lends in 4 counties across 1 state; Waumandee State Bank (#10384) reaches 34 ZIP codes: Wisconsin 4 counties, 34 ZIPs.
Waumandee State Bank (#10384) largest markets: Jackson County, WI (15 branches, 15 ZIPs) (#10384), Trempealeau County, WI (42 branches, 14 ZIPs) (#10384), Buffalo County, WI (27 branches, 9 ZIPs) (#10384), Pepin County, WI (6 branches, 6 ZIPs) (#10384).
Waumandee State Bank (#10384) reports $345.5 million in total assets; Waumandee State Bank (#10384) equity $38.3 million (11.1% of Waumandee State Bank (#10384) assets); Waumandee State Bank (#10384) domestic deposits $301.2 million; Waumandee State Bank (#10384) net income $2.0 million; Waumandee State Bank (#10384) return on assets 1.16%; Waumandee State Bank (#10384) return on equity 10.56%; Waumandee State Bank (#10384) net interest income $6.9 million; Waumandee State Bank (#10384) call report June 30, 2026.
Waumandee State Bank (#10384) noncurrent real-estate loans: none reported; Waumandee State Bank (#10384) net charge-offs on real estate 0.82%; Waumandee State Bank (#10384) residential charge-offs 1.46%.
Waumandee State Bank (#10384) net interest margin 4.23% against an eight-quarter Waumandee State Bank (#10384) average of 3.97% (Waumandee State Bank (#10384) compression -0.26 points); Waumandee State Bank (#10384) non-residential real estate 145.9% of equity; Waumandee State Bank (#10384) rate-exposure score 40/100, Waumandee State Bank (#10384) fixed-rate trap 40/100; Waumandee State Bank (#10384) risk type credit driven; Waumandee State Bank (#10384) rate regime rates elevated, Waumandee State Bank (#10384) snapshot October 19, 2026.
Waumandee State Bank (#10384) stress score moved from 64.7 on June 22, 2026 to 63.5 on October 20, 2026; Waumandee State Bank (#10384) ranged 63.5 to 64.7 over 117 snapshots.
Waumandee State Bank (#10384) alerts: 4 counties; top Waumandee State Bank (#10384) alert scores: Black River Falls County, WI 22 (low); Durand County, WI 22 (low); Mondovi County, WI 22 (low); Whitehall County, WI 22 (low).