Waldo State Bank

Overview / Commentary

www.waldostatebank.com

920-528-8385

119 N Depot St
Waldo, WI 53093

Waldo State Bank is headquartered in Waldo and is the 169^th largest bank in the state of Wisconsin. It is also the 4,204^th largest bank in the nation. It was established in 1913 and as of December of 2019, it had grown to 15 employees at 1 location. Waldo State Bank's money market rates are 2X the national average, and it has an A health rating.

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Health

Data as of Q4 2019

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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

Overall
FDIC Certificate #	8700
Year Established	1913
Employees	15
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.86%
Return on Equity - YTD	6.94%
Annual Interest Income	$3.7MM

Assets and Liabilities
Assets	Q4 2019vs Q4 2018	$87.0MM$81.2MM
Loans	Q4 2019vs Q4 2018	$62.7MM$58.8MM
Deposits	Q4 2019vs Q4 2018	$74.2MM$69.2MM
Equity Capital	Q4 2019vs Q4 2018	$10.6MM$9.8MM
Loan Loss Allowance	Q4 2019vs Q4 2018	$978.00K$938.00K
Unbacked Noncurrent Loans	Q4 2019vs Q4 2018	$810.00K$480.00K
Real Estate Owned	Q4 2019vs Q4 2018	$0$400.00K

Rates

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Savings
Money Market
Checking
CD
IRA

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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

APY	MIN	MAX	ACCOUNT NAME
0.75%^*	$25k^*	-	HSA
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%	-	$7.5k	Christmas Club
0.25%	$50	-	Savings Accounts

Waldo State Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
1.00%	$200k	-	Business Money Market
0.95%^*	$200k^*	-	Money Market
OTHER TIERS: 0.25% → Up to $2.5k \| 0.30% → $2.5k - $10k \| 0.40% → $10k - $25k \| 0.50% → $25k - $50k \| 0.80% → $50k - $100k \| 0.90% → $100k - $200k

Waldo State Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.25%	-	-	NOW Checking
0.25%	-	-	Business Interest Bearing Checking

Waldo State Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.31%	$1k	-	60 Month CD
1.26%	$1k	-	48 Month CD
1.21%	$1k	$100k	36 Month Add-On CD
1.16%	$1k	-	24 Month CD
1.16%	$1k	-	30 Month CD
1.10%	$1k	$100k	18 Month Add-On CD
1.05%	$1k	-	12 Month CD
0.85%	$1k	-	9 Month CD
0.75%	$1k	-	182 Days
0.50%	$1k	-	91 Days

Waldo State Bank IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.51%	$250	-	60 Month IRA
1.41%	$250	-	48 Month IRA
1.31%	$250	$100k	36 Month IRA Add-On
1.26%	$250	-	30 Month IRA
1.21%	$250	-	24 Month IRA
1.16%	$250	$100k	18 Month IRA Add-On
1.11%	$250	-	12 Month IRA
1.00%	$250	-	182 Day IRA

Locations

Waldo State Bank Locations
Waldo State Bank	119 N Depot St	Waldo, WI 53093

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