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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Waukon, IA · FDIC certificate #1857
WAUKON STATE BANK is an FDIC-insured institution based in Waukon, IA (FDIC certificate #1857). In its Q3 2026 Call Report it reported total assets of $438M, total deposits of $377M and net loans of $356M. Its primary federal regulator is FED.
Plain-language readout
WAUKON STATE BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $450M in Q1 2026 and were lowest at $427M in Q2 2026.
Total deposits were highest at $385M in Q1 2026 and lowest at $367M in Q2 2026.
Over the whole period total assets fell 2.8%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $438M | $377M | $356M | 2.03% | 19.98% | 3.78% |
| Q2 2026 | $427M | $367M | $349M | 1.93% | 19.17% | 3.69% |
| Q1 2026 | $450M | $385M | $345M | 1.94% | 19.68% | 3.66% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $12.1M | $50.1M | -$38.0M | -75.9% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| Securities purchased under agreements to resell | $15.3M | $5.1M | +$10.2M | +198.4% |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $35.4M | $35.1M | +$295K | +0.8% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $348.6M | $344.5M | +$4.1M | +1.2% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $6.1M | $6.0M | +$113K | +1.9% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $214K | $214K | $0K | 0.0% |
| All other assets | $9.2M | $9.2M | -$38K | -0.4% |
| Total assets | $426.9M | $450.2M | -$23.4M | -5.2% |
| Liabilities | ||||
| Total deposits | $366.5M | $385.3M | -$18.8M | -4.9% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $12.5M | $17.5M | -$5.0M | -28.6% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $2.9M | $2.9M | -$83K | -2.8% |
| Total liabilities | $381.9M | $405.8M | -$23.9M | -5.9% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $550K | $550K | $0K | 0.0% |
| Surplus | $6.5M | $6.5M | $0K | 0.0% |
| Retained earnings | $38.2M | $38.0M | +$209K | +0.5% |
| Accumulated other comprehensive income | -$263K | -$549K | +$286K | +52.1% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $45.0M | $44.5M | +$495K | +1.1% |
| Credit and capital | ||||
| Gross nonperforming assets | $0K | $0K | $0K | n/a |
| Adjusted nonperforming assets | $0K | $0K | $0K | n/a |
| Tangible equity plus allowance | $49.7M | $49.2M | +$495K | +1.0% |
| Texas ratio (gross) | 0.00% | 0.00% | 0.00 pts | See points |
| Texas ratio (adjusted) | 0.00% | 0.00% | 0.00 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 0.00% | 0.00% | 0.00 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 10.44% | 10.14% | +0.30 pts | See points |
| Construction and land loans to total capital | 8.20% | 9.02% | -0.82 pts | See points |
| Commercial real estate to total capital | 13.87% | 15.40% | -1.53 pts | See points |
| Dividend payout, year to date | 44.28% | 0.00% | +44.28 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -0.61% | -1.28% | +0.67 pts | See points |
| Liquidity | ||||
| Core deposits | $322.2M | $336.3M | -$14.1M | -4.2% |
| Non-core funding | $56.8M | $66.6M | -$9.7M | -14.6% |
| Loans to core deposits | 109.74% | 103.94% | +5.80 pts | See points |
| Loans to deposits | 96.47% | 90.71% | +5.77 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 49.95% | 41.06% | +8.89 pts | See points |
| Loans pledged, share of loans | 27.24% | 27.52% | -0.28 pts | See points |
| Volatile liabilities | $56.8M | $66.6M | -$9.7M | -14.6% |
| Earnings | ||||
| Earnings before provision, year to date | $4.4M | $2.2M | +$2.2M | +96.9% |
| Earnings before provision, single quarter | $2.2M | $2.2M | -$70K | -3.1% |
| Provision for credit losses, year to date | $0K | $0K | $0K | n/a |
| Yield and cost | ||||
| Yield on loans and leases | 6.09% | 6.04% | +0.05 pts | See points |
| Yield on interest-bearing balances due from banks | 3.59% | 3.65% | -0.05 pts | See points |
| Total interest income to average assets | 5.42% | 5.37% | +0.05 pts | See points |
| Cost of interest-bearing transaction accounts | 0.23% | 0.33% | -0.10 pts | See points |
| Cost of savings and money market deposits | 1.72% | 1.66% | +0.06 pts | See points |
| Cost of time deposits | 3.69% | 3.71% | -0.02 pts | See points |
| Total interest expense to average assets | 1.88% | 1.92% | -0.03 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $438M | $377M | $356M | 2.03% | 19.98% | 3.78% |
| 2026-06-30 | $427M | $367M | $349M | 1.93% | 19.17% | 3.69% |
| 2026-03-31 | $450M | $385M | $345M | 1.94% | 19.68% | 3.66% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| IA | $347M | 0.27% | 77 | Continuing · +0.01 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.