This institution is no longer active

Operations ceased on June 12, 2021. CRA examination history below reflects the period it was active.

SUNSET BANK & SAVINGS

WAUKESHA, WI · Supervised by FDIC

Est. 1999FDIC #35,043RSSD: FDIC-35043

Part ofWAUKESHA BANKSHARES INC→ View all charters

Satisfactory Same

Current rating · Exam: May 2018

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -0.08%

Is this bank safe?

SUNSET BANK & SAVINGS holds a Satisfactory CRA rating (2018), shows financial metrics that merit closer review (ROA -0.08%). Consumers may want to review the details below before banking here.

Institution Profile

FDIC BankFind

Address

521 West Sunset Drive, WAUKESHA, WI

County

Waukesha County

Established

August 16, 1999

Total Assets

$140M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

May 1, 2018

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 8 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 2021Call Report / FDIC

Total Assets

$140M

Total Deposits

$123M

Net Loans

$86M

Net Income

$-27K

ROA

-0.08%

Below avg for Small banks. Peer avg: 0.44%

ROE

-0.67%

Risk-Based Capital

0.00%

Below avg for Small banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

ROA-0.08%Peer avg: 0.44%▼ Below avg

Risk-Based Capital0.00%Peer avg: 23.03%▼ Below avg

Mortgage Denial Rate2.08%Peer avg: 6.90%▼ Fewer than avg

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Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2021	192	95.83%	2.08%
2020	435	94.71%	2.76%
2019	189	91.53%	3.17%
2018	144	88.89%	4.86%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
May 2018	Satisfactory	Small Bank
Jul 2012	Satisfactory	Small Bank
May 2007	Satisfactory	Small Bank

1 previous rating locked — back to 2001

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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