Bank · FDIC insured
Waldo State Bank
A $154.2M bank headquartered in Waldo, WI, with 1 branch in Wisconsin. Best rates: CDs 4.06% and savings 0.75% APY.
Waldo State Bank Carrot Score
78
Carrot Score
Higher than 45% of U.S. banks and credit unions
#10 of 16 in Sheboygan, WI metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Waldo State Bank
Established in 1913, Waldo State Bank is an independently owned community bank located in Waldo, Wisconsin.
- Headquarters
- 119 Depot St, Waldo, WI 53093
- FDIC certificate
- 8700 ↗
Branches
1 branch in Wisconsin
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Wisconsin
1 branch
- Waldo State BankMain office119 Depot St, Waldo, WI 53093Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 10.28% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 2.44% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 0.68% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $93 | $81 | — |
- CapitalLeverage ratio10.28%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent2.44%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets0.68%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$93Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Waldo State Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.