FDIC Cert #28400 · Waukesha, Wisconsin · Est. 1926

Westbury Bank - FDIC Bank Health Profile

A community-scale look at Westbury Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$792M
Total assets
B
Health grade · Good
0.94%
Return on assets
11.6%
Tier 1 capital

Data updated July 2026

The verdict

Westbury Bank earns a PlainBankData health grade of B (66/100), with well-capitalized at 11.61% Tier 1, 0.94% ROA, 73% efficiency ratio.

#1,271
largest of 4,313 FDIC banks by assets
71st
percentile by asset size, nationally
11.61%
Tier 1 ratio - above the 10% well-capitalized line
39th
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.

FDIC Call Report plate

Cert 28400 · WI B · 66/100

GRADE-B · LOWER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-MID · BOOK-FULL

  • GRADE-B B (66/100)
  • LOWER-Q #3369/4307
  • PHOTO-FINISH Custer Federal State… · NE
  • TIER1-WELL 11.6% Tier 1
  • TEXAS-CLEAN 0.0% Texas
  • ROA-PAR 0.94% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Wisconsin: Custer Federal State Bank, NE (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Westbury Bank

Lowest and highest poles plus nearest scored peers outside Wisconsin, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Broadstreet Bank S S B · TX …66/100Custer Federal State… · NE ·…66/100MCS Bank · PA · near66/100Somerset Regal Bank · NJ · n…66/100Westbury Bank · WI · this ba…66/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Westbury Bank · July 2026

Call Report read for Westbury Bank in a high-failure state

Westbury Bank (FDIC Cert #28400) carries a PlainBankData health grade of B at 66/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #3,369 of 4,307. Tier 1 capital prints at 11.61%, clearing the 10% well-capitalized line. The Texas Ratio is 0.00%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.94%. Balance-sheet scale is $792M, 1,271st of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Custer Federal State Bank (NE), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Westbury Bank

11 FAILURE resolutions in Wisconsin since 2000, heavy vs the state corpus

Westbury Bank sits in one of the heavier post-2000 FAILURE states (11 resolutions; latest year 2017). The list below is state history from the Failed Bank List, not a claim about Westbury Bank's current Call Report.

  • GUARANTY BANK MILWAUKEE, WI 2017 → FIRST-CITIZENS BANK & TRUST COMPANY
  • NORTH MILWAUKEE STATE BANK MILWAUKEE, WI 2016 → FIRST-CITIZENS BANK & TRUST COMPANY
  • BANK OF WAUSAU WAUSAU, WI 2013 → NICOLET NATIONAL BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Wisconsin banks.

How Westbury Bank's 66/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10066/100
Westbury Bank's composite health score
Tier 1 Capital Ratio (11.61%) 28/40
Return on Assets (ROA) (0.94%) 14/25
Texas Ratio (0.00%) 20/20
Efficiency Ratio (72.77%) 4/15

66 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$792M

Total balance-sheet footings

Total Deposits

$717M

Customer-funded liabilities

Net Loans

$544M

Outstanding loan book

Net Income

$8M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 10.21% 11.61% 13.01%
Basel III capital ratios - Westbury Bank

Where Westbury Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Westbury Bank's score of 66/100 falls in the highlighted band.

Westbury Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

66 22nd percentile higher than 22% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). This entry sits in this band. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Westbury Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Westbury Bank'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). Westbury Bank's $792M falls in the highlighted band.

Capital & credit buffers at Westbury Bank

Tier 1 capital ratio
Well-capitalized 10%

11.61% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
11.61%
Texas Ratio
0.00%
Equity Capital
$64M

What these ratios mean →

Profitability metrics: Westbury Bank

Return on Assets (ROA)
39th percentile nationally
0.94%
Return on Equity (ROE)
10.59%
Efficiency Ratio
72.77%

What these mean →

Income & expense at Westbury Bank

$35M
Interest Income
$5M
Non-Interest Income
$25M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Westbury Bank reports a Texas Ratio of 0.00% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.00% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Westbury Bank on FDIC BankFind →

Top banks in Wisconsin by total assets

Largest banks headquartered in Wisconsin
  1. 1
    Associated Bank $45.1B

    Green Bay, WI · Grade A

  2. 2
    Nicolet National Bank $9.2B

    Green Bay, WI · Grade A

  3. 3
    Johnson Bank $7.2B

    Racine, WI · Grade A

  4. 4
    Town Bank $4.5B

    Hartland, WI · Grade A

  5. 5
    Bank First $4.5B

    Manitowoc, WI · Grade A

Top 5 banks in Wisconsin ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($792M here), outside Wisconsin so the neighborhood is not state containment.

Savers Co-operative Bank $792M · MA Millennium Bank $792M · TN FCN Bank $793M · IN First Savings Bank of Hegewisch $794M · IL

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Westbury Bank (FDIC Cert #28400) - 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.

Westbury Bank Call Report profile · FDIC Failed Bank List · Wisconsin FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Wisconsin

All Wisconsin banks →
BankAssetsGradeROA
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%