Total Assets
$276M
Total balance-sheet footings
FDIC Cert #30422 · Waukesha, Wisconsin · Est. 1922
First Federal Bank of Wisconsin - FDIC Bank Health Profile
A community-scale look at First Federal Bank of Wisconsin's own numbers, pulled straight from its quarterly FDIC Call Report.
- $276M
- Total assets
- B
- Health grade · Good
- 0.98%
- Return on assets
- 25.1%
- Tier 1 capital
Data updated July 2026
The verdict
First Federal Bank of Wisconsin earns a PlainBankData health grade of B (78/100), with well-capitalized at 25.07% Tier 1, 0.98% ROA, 74% efficiency ratio.
- #2,613
- largest of 4,313 FDIC banks by assets
- 39th
- percentile by asset size, nationally
- 25.07%
- Tier 1 ratio - above the 10% well-capitalized line
- 41st
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How First Federal Bank of Wisconsin's 78/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
First Federal Bank of Wisconsin's composite health score
Tier 1 Capital Ratio (25.07%) 40/40
Return on Assets (ROA) (0.98%) 14/25
Texas Ratio (0.06%) 20/20
Efficiency Ratio (74.09%) 4/15
78 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$209M
Customer-funded liabilities
Net Loans
$216M
Outstanding loan book
Net Income
$3M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where First Federal Bank of Wisconsin ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First Federal Bank of Wisconsin's score of 78/100 falls in the highlighted band.
First Federal Bank of Wisconsin's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). First Federal Bank of Wisconsin's $276M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
25.07% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
25.07%
Texas Ratio
0.06%
Equity Capital
$62M
Profitability metrics
Return on Assets (ROA)
41st percentile nationally
0.98%
Return on Equity (ROE)
4.24%
Efficiency Ratio
74.09%
What the numbers say about First Federal Bank of Wisconsin
First Federal Bank of Wisconsin is an FDIC-insured institution (Certificate #30422) headquartered in Waukesha, Wisconsin, established in 1922. It holds $276M in total assets - 2,613th of 4,313 FDIC-insured banks, $209M in customer deposits, and $216M in net loans. On safety, its Tier 1 capital ratio of 25.07% is above the 10% well-capitalized threshold, and its Texas Ratio of 0.06% sits in the healthy range below 50%. It earns a PlainBankData health grade of B (78/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Wisconsin, First Federal Bank of Wisconsin ranks 104th of 155 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$15M
Interest Income
$1M
Non-Interest Income
$9M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. First Federal Bank of Wisconsin reports a Texas Ratio of 0.06% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.06% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Wisconsin by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) First Federal Bank of Wisconsin (FDIC Cert #30422) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Wisconsin
All Wisconsin banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Associated Bank, National AssociationGreen Bay | $45.1B | A | 1.10% |
| Nicolet National BankGreen Bay | $9.2B | A | 1.66% |
| Johnson BankRacine | $7.2B | A | 1.07% |
| Town Bank, National AssociationHartland | $4.5B | A | 1.27% |
| Bank First, N.A.Manitowoc | $4.5B | A | 1.64% |
| First Business BankMadison | $4.1B | B | 1.36% |
| John Deere Financial, f.s.b.Middleton | $3.4B | A | 3.87% |
| Lake Ridge BankMiddleton | $3.3B | B | 0.98% |
Frequently asked questions
What is First Federal Bank of Wisconsin's health grade?▼
First Federal Bank of Wisconsin receives a health grade of B (78/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is First Federal Bank of Wisconsin?▼
First Federal Bank of Wisconsin holds $276M in total assets and $209M in deposits, ranking 2,613th of 4,313 FDIC-insured banks by asset size. It is headquartered in Waukesha, Wisconsin.
Is my money safe at First Federal Bank of Wisconsin?▼
Yes, deposits at First Federal Bank of Wisconsin (Certificate #30422) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is First Federal Bank of Wisconsin's Tier 1 Capital Ratio?▼
First Federal Bank of Wisconsin has a Tier 1 Capital Ratio of 25.07%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for First Federal Bank of Wisconsin?▼
First Federal Bank of Wisconsin has a Texas Ratio of 0.06%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is First Federal Bank of Wisconsin?▼
First Federal Bank of Wisconsin has an Efficiency Ratio of 74.09%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read First Federal Bank of Wisconsin's profile as a depositor or analyst.
- First Federal Bank of Wisconsin's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare First Federal Bank of Wisconsin against other Wisconsin banks before moving funds. Wisconsin banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.