Waukesha State Bank

Waukesha, WisconsinFDIC Cert #16160

STATEEstablished 194415 branches

Holding company: BANK STREET CAPITAL CORPRegulator: FDIC

FDICCERT + OFFDOM

Portfolio mix & concentration

Loans

The composition, growth, and concentration of the loan book using reported Call Report categories.

As of Q1 2026

Portfolio composition

Loan mix

Latest reported loan balances by category
Category	Balance
Owner CRE	$191M
Investor CRE	$81.7M
Multifamily	$155M
Construction	$188M
1–4 family	$468M
C&I	$111M
Agriculture	$2.91M
Other	$25.4M

Loan book

Reported balances and balance-sheet intensity.

Gross loans

$1.22B

+8.4%y/y

Percentile by value61st percentileby value

FDICLNLSGR

Net loans

$1.21B

+8.4%y/y

Percentile by value61st percentileby value

FDICLNLSNET

Loans YoY

+8.40%

+2.8%y/y

Percentile by value61st percentileby value

FDICLNLSNET

L/D

95.6%

+6.3%y/y

Percentile by value82nd percentileby value

FDICLNLSNET + DEP

Loans/assets

74.2%

+1.8%y/y

Percentile by value58th percentileby value

FDICLNLSNET + ASSET

RE loans %

93.23%

−1.7%y/y

Percentile by value80th percentileby value

FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital

Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.

FDICLNRENROT + LNREMULT + LNRECONS + RBC

Construction/capital

Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.

FDICLNRECONS + RBC

Loan HHI

2,253points

−5.3%y/y

Peer standing34th percentile

FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD

Owner CRE %

15.62%

−7.4%y/y

Percentile by value66th percentileby value

FDICLNRENROW + LNLSGR

Investor CRE %

6.68%

−13.8%y/y

Percentile by value8th percentileby value

FDICLNRENROT + LNLSGR

C&I %

9.11%

+7.7%y/y

Percentile by value38th percentileby value

FDICLNCI + LNLSGR