Total Assets
$279M
Total balance-sheet footings
FDIC Cert #13033 · Waupaca, Wisconsin · Est. 1911
The Farmers State Bank of Waupaca - FDIC Bank Health Profile
A community-scale look at The Farmers State Bank of Waupaca's own numbers, pulled straight from its quarterly FDIC Call Report.
- $279M
- Total assets
- B
- Health grade · Good
- 1.25%
- Return on assets
- 11.0%
- Tier 1 capital
Data updated July 2026
The verdict
The Farmers State Bank of Waupaca earns a PlainBankData health grade of B (76/100), with well-capitalized at 11.01% Tier 1, profitable at 1.25% ROA, 67% efficiency ratio.
- #2,594
- largest of 4,313 FDIC banks by assets
- 40th
- percentile by asset size, nationally
- 11.01%
- Tier 1 ratio - above the 10% well-capitalized line
- 61st
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How The Farmers State Bank of Waupaca's 76/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
The Farmers State Bank of Waupaca's composite health score
Tier 1 Capital Ratio (11.01%) 28/40
Return on Assets (ROA) (1.25%) 20/25
Texas Ratio (0.04%) 20/20
Efficiency Ratio (66.94%) 8/15
76 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$246M
Customer-funded liabilities
Net Loans
$162M
Outstanding loan book
Net Income
$3M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where The Farmers State Bank of Waupaca ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The Farmers State Bank of Waupaca's score of 76/100 falls in the highlighted band.
The Farmers State Bank of Waupaca'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). The Farmers State Bank of Waupaca's $279M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
11.01% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
11.01%
Texas Ratio
0.04%
Equity Capital
$28M
Profitability metrics
Return on Assets (ROA)
61st percentile nationally
1.25%
Return on Equity (ROE)
12.02%
Efficiency Ratio
66.94%
What the numbers say about The Farmers State Bank of Waupaca
The Farmers State Bank of Waupaca is an FDIC-insured institution (Certificate #13033) headquartered in Waupaca, Wisconsin, established in 1911. It holds $279M in total assets - 2,594th of 4,313 FDIC-insured banks, $246M in customer deposits, and $162M in net loans. Capital-wise, the Tier 1 ratio sits at 11.01%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 0.04%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of B (76 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
The Farmers State Bank of Waupaca sits 103rd of 155 banks headquartered in Wisconsin by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$13M
Interest Income
$1M
Non-Interest Income
$7M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. The Farmers State Bank of Waupaca reports a Texas Ratio of 0.04% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.04% - 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) The Farmers State Bank of Waupaca (FDIC Cert #13033) - 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 The Farmers State Bank of Waupaca's health grade?▼
The Farmers State Bank of Waupaca receives a health grade of B (76/100) 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 The Farmers State Bank of Waupaca?▼
The Farmers State Bank of Waupaca holds $279M in total assets and $246M in deposits, ranking 2,594th of 4,313 FDIC-insured banks by asset size. It is headquartered in Waupaca, Wisconsin.
Is my money safe at The Farmers State Bank of Waupaca?▼
Yes, deposits at The Farmers State Bank of Waupaca (Certificate #13033) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is The Farmers State Bank of Waupaca's Tier 1 Capital Ratio?▼
The Farmers State Bank of Waupaca has a Tier 1 Capital Ratio of 11.01%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for The Farmers State Bank of Waupaca?▼
The Farmers State Bank of Waupaca has a Texas Ratio of 0.04%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is The Farmers State Bank of Waupaca?▼
The Farmers State Bank of Waupaca has an Efficiency Ratio of 66.94%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read The Farmers State Bank of Waupaca's profile as a depositor or analyst.
- The Farmers State Bank of Waupaca's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare The Farmers State Bank of Waupaca 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.