Waldo State Bank

Overview / Commentary
119 N Depot St
Waldo, WI 53093

Waldo State Bank is headquartered in Waldo and is the 163rd largest bank in the state of Wisconsin. It is also the 4,115th largest bank in the nation. It was established in 1913 and as of June of 2020, it had grown to 16 employees at 1 location. Waldo State Bank's money market rates are 82% higher than the national average, and it has an A health rating.


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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. Waldo State Bank has a relatively low asset base.

Health Grade Components

FDIC Certificate #8700
Year Established1913
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.99%
Return on Equity - YTD8.1%
Annual Interest Income$1.9MM
Assets and Liabilities
AssetsQ2 2020vs Q2 2019$95.3MM$82.8MM
LoansQ2 2020vs Q2 2019$64.4MM$62.4MM
DepositsQ2 2020vs Q2 2019$82.0MM$70.4MM
Equity CapitalQ2 2020vs Q2 2019$11.1MM$10.2MM
Loan Loss AllowanceQ2 2020vs Q2 2019$1.0MM$976.00K
Unbacked Noncurrent LoansQ2 2020vs Q2 2019$936.00K$607.00K
Real Estate OwnedQ2 2020vs Q2 2019$0$400.00K
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Always verify rates and promotions with the bank or credit union. We are not Waldo State Bank; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Waldo State Bank Savings Account Rates

OTHER TIERS: 0.25% Up to $1k | 0.35% $1k - $2.5k | 0.45% $2.5k - $5k | 0.55% $5k - $10k | 0.65% $10k - $25k
0.75%--Vacation Club
0.35%-$7.5kChristmas Club
0.25%$50-Savings Accounts

Waldo State Bank Money Market Rates

0.80%*$200k*-Money Market
OTHER TIERS: 0.25% Up to $2.5k | 0.30% $2.5k - $10k | 0.40% $10k - $25k | 0.50% $25k - $50k | 0.60% $50k - $100k | 0.70% $100k - $200k
0.80%$200k-Business Money Market

Waldo State Bank Checking Account Rates

0.25%--NOW Checking
0.25%--Business Interest Bearing Checking

Waldo State Bank CD Rates

1.20%$1k$100k36 Month Add-On CD
1.11%$1k-60 Month CD
1.06%$1k-48 Month CD
0.95%$1k-30 Month CD
0.90%$1k-24 Month CD
0.85%$1k$100k18 Month Add-On CD
0.75%$1k-12 Month CD
0.55%$1k-9 Month CD
0.45%$1k-182 Days
0.35%$1k-91 Days

Waldo State Bank IRA Rates

1.11%$250-60 Month IRA
1.06%$250-48 Month IRA
1.01%$250$100k36 Month IRA Add-On
0.95%$250-30 Month IRA
0.90%$250-24 Month IRA
0.85%$250$100k18 Month IRA Add-On
0.75%$250-12 Month IRA
0.45%$250-182 Day IRA

Waldo State Bank Locations
Waldo State Bank119 N Depot StWaldo, WI 53093

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