Community Reinvestment Act


The Community Reinvestment Act (CRA) of 1977 encourages banks to help meet the credit needs of the communities in which they do business, including low and moderate income neighborhoods.

The information below is current as of April 1 of each year.  If your device is not compatible to view PDF Documents, you can contact us via phone at 920.528.8385 or email at  for hard copies.  Please note we may charge a fee to cover copying and mailing expenses.    

Public Comments Document – The document reviews comments received for the current year and prior two calendar years as of April 1, 2024.  WSB may periodically update this to include public comments received during the year. 

CRA Performance Evaluation – This evaluation document is the most recent FDIC review of WSB’s performance. 

Branch Locations and Hours of Operation – Effective as of April 1, 2024.  Branches opened or closed during the previous two years are noted in this document.    

Assessment Area and Tract List – This map shows our assessment area, including tract listing, that Waldo State Bank services.

Loan to Deposit Ratio– This document shows Waldo State Bank’s current loan to deposit ratio.

Products and Services – Waldo State Bank provides a comprehensive list of all products and services we offer.   Questions regarding fees or cost of services should be directed to staff at Waldo State Bank by calling 920.528.8385 or email at

Home Mortgage Disclosure Act Notice (HMDA) - The HMDA data about our residential mortgage lending is available online for review. The data shows geographic distribution of loans and applications; ethnicity, race, sex, age and income of applicants and borrowers; and information about loan approvals and denials.  HMDA data for many other financial institutions are also available online. For more information, Visit the Consumer Financial Protection Bureau. HMDA data can be access directly at

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