Waumandee State Bank vs Oostburg State Bank
Comparing a Bank in Waumandee, WI with a Bank in Oostburg, WI using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| Waumandee State Bank ↗ Bank · Waumandee, WI · Est. 1914 | Oostburg State Bank ↗ Bank · Oostburg, WI · Est. 1908 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Bank | Bank |
| Location | Waumandee, WI | Oostburg, WI |
| Total assets | $350.6M | $429.9M |
| Capital ratio | 10.9% | 10.5% |
| Return on assets | 1.1% | 1.2% |
| Deposits | $303.5M | $380.8M |
| Branches | 8 | 4 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #5 of 154 | #4 of 154 |
| Established | 1914 | 1908 |
Waumandee State Bank
- Assets: $350.6M
- Deposits: $303.5M
- Capital ratio: 10.9%
- Return on assets: 1.1%
- CFPB complaints: 0
- State rank: #5 of 154
Oostburg State Bank
- Assets: $429.9M
- Deposits: $380.8M
- Capital ratio: 10.5%
- Return on assets: 1.2%
- CFPB complaints: 0
- State rank: #4 of 154
Are both institutions federally insured?
Yes. Waumandee State Bank is FDIC-insured and Oostburg State Bank is FDIC-insured. Both protect deposits up to $250,000 per depositor, per ownership category, regardless of Trust Grade. The Trust Grade reflects financial strength and complaint history — not the safety of insured deposits. Estimate your coverage →
Frequently asked questions
Which is better, Waumandee State Bank or Oostburg State Bank?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — Waumandee State Bank scores higher with a grade of A (98/100). However, "better" depends on your needs: if you prioritize branch access, local service, or membership eligibility for a credit union, the lower-scoring option may still be the right choice for you.
Is Waumandee State Bank safe?
Yes — Waumandee State Bank is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected regardless of the institution's Trust Grade. Its Trust Grade is A (98/100), reflecting its financial strength and complaint history relative to peers.
Is Oostburg State Bank safe?
Yes — Oostburg State Bank is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected. Its Trust Grade is A (98/100).
What is the capital ratio of Waumandee State Bank vs Oostburg State Bank?
Waumandee State Bank has a capital ratio of 10.9%, placing it in the top 39% of $100M–1B peers. Oostburg State Bank's ratio is 10.5%, placing it in the top 44% of $100M–1B peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does Waumandee State Bank have compared to Oostburg State Bank?
The CFPB database shows 0 complaints against Waumandee State Bank, and 0 complaints against Oostburg State Bank. The per-$1B rate adjusts for institution size and is a more meaningful comparison metric.
How does Bankzia calculate the Trust Grade?
The Trust Grade combines a financial strength score (based on capital ratio, return on assets, and other FDIC/NCUA metrics) with a customer experience score derived from CFPB complaint data. The scores are weighted and normalized within peer groups by institution size and type. See our full methodology for details.
Compare Waumandee State Bank with other Banks in Wisconsin
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
