Bank · FDIC insured
Waumandee State Bank
A $345.5M bank headquartered in Waumandee, WI, with 8 branches in Wisconsin. Best rates: CDs 4.25% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: not enough terms or balances published to score. Savings: rates are not published online. Auto loans: no rates found on its website. Credit cards: only rates Carrot doesn’t compare are published (introductory, refinance or business rates, or none at all).
- CDs—4.25%CD rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Waumandee State Bank
Founded in 1914 in Waumandee, Wisconsin, Waumandee State Bank operates its corporate headquarters from its original branch location.
The locally owned community bank operates eight locations serving West Central Wisconsin.
- Headquarters
- S2021 County Road U, Waumandee, WI 54622
- FDIC certificate
- 10384 ↗
Branches
8 branches in Wisconsin
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Wisconsin
8 branches
Waumandee area · 1
- Waumandee State BankMain officeS2021 County Road U, Waumandee, WI 54622Directions
Arcadia area · 1
- Arcadia Branch350 S Nelson Dr, Arcadia, WI 54612Directions
Black River Falls area · 1
- Black River Falls Branch203 Main St, Black River Falls, WI 54615Directions
Blair area · 1
- Union Bank Of Blair Branch123 Urberg St, Blair, WI 54616Directions
Durand area · 1
- Durand Branch308 3rd Ave W, Durand, WI 54736Directions
Fountain City area · 1
- Fountain City Branch46 S Main St, Fountain City, WI 54629Directions
Mondovi area · 1
- Mondovi Branch600 E Main St, Mondovi, WI 54755Directions
Whitehall area · 1
- Whitehall Branch36427 Main St, Whitehall, WI 54773Directions
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 | 9.39% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.60% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.16% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $84 | $81 | — |
- CapitalLeverage ratio9.39%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.60%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.16%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$84Peers’ 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 Waumandee State Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.