Westbury Bank
Westbury Bank is a Wisconsin community bank serving individuals, small businesses, and non-profits across Washington and Waukesha Counties through 8 branches and digital banking, offering deposits, treasury management, and personal, commercial, and home loans.
- Company typePrivate
- Founded1926
- HeadquartersWest Bend, United States
- Headcount101–250
- GTM typeB2B and B2C
- OfferingServices
What Westbury Bank does
Westbury Bank is a Wisconsin community bank operating under publicly traded holding company Westbury Bancorp, Inc. (OTCMKTS: WBBW), founded in 1926 and headquartered in Pewaukee. As of late 2025/early 2026, the bank reported total assets of approximately $783-$795 million, approximately 1.2 million shares outstanding, and tangible book value per share rising from $49.72 to $50.93 between year-end 2025 and Q1 2026. The bank operates 8 branches across Washington and Waukesha Counties, supported by online and mobile banking platforms (Fiserv-backed), MoneyPass ATM access, Zelle person-to-person payments, and a contact center. It serves individual consumers, small-to-mid-size businesses, non-profits, and a smaller commercial segment within its geographic footprint.
The product portfolio spans consumer deposit products (WB Checking, WB Checking Plus, WB Rewards Checking, WB Student Checking, WB Savings, WB Money Market, CDs, IRAs, HSAs), business deposit products (WB Community Business Checking, WB Non-Profit Checking, WB Commercial Checking), treasury management services (ACH origination, wire transfers, Positive Pay, sweep accounts, merchant source capture), and lending products (personal loans for auto/boat/consumer needs, commercial loans including SBA and lines of credit, and home loans including VA and home equity products). A 2025 upgrade delivered a new online and mobile banking platform with enhanced debit card controls, and credit card offerings are provided through a referral partnership with Elan Credit Card Company (Visa Zero+ card).
Revenue is generated primarily through net interest spread on loans funded by retail and commercial deposits, supplemented by deposit account fees, overdraft and NSF fees, interchange on debit card transactions, treasury management fees, and interchange from credit card referrals. Distribution is omnichannel — 8 branches, online and mobile banking, a 24-hour self-service line, and community-led marketing via the Westbury Bank Charitable Foundation (established 2013 with $1 million initial contribution, distributing 5% of foundation assets annually to community causes). Customer acquisition relies on local decision-making, community sponsorships, financial literacy programs, and digital account opening, with no AI-driven underwriting, personalization, or fraud models disclosed.
Westbury Bank firmographics
Firmographics- Name
- Westbury Bank
- Legal name
- Westbury Bank
- Website
- https://westburybankwi.com
- Company type
- Private
- Founded year
- 1926
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- Westbury Bank is a Wisconsin community bank serving individuals, small businesses, and non-profits across Washington and Waukesha Counties through 8 branches and digital banking, offering deposits, treasury management, and personal, commercial, and home loans.
- Ownership category
- akta.pro rank
Westbury Bank industry classification
Industry- Product category
- Community Banking
- NAICS
- Commercial Banking (52211), Commercial Banking (522110)
- SIC
- State Commercial Banks (6022)
- akta.pro primary industry
- Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)
- akta.pro secondary industries
- SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC), Student & Youth Banking (FSABAAAH)
Keywords
Where Westbury Bank is headquartered
LocationHeadquarters
- HQ city
- West Bend
- HQ country
- United States
- HQ region
- North America
Offices9 records
Markets served
Westbury Bank business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D
Revenue model
- Interest Income: Primary revenue stream from interest earned on loans including personal loans, commercial loans, home loans, and lines of credit. Interest rate spreads between deposits and lending products.
- Fee Income: Various banking fees including overdraft fees, non-sufficient funds fees, monthly service fees (Waived with minimum balances), ATM fees, wire transfer fees, and excessive transaction fees.
- Credit Card Interchange: Revenue from debit card transactions through interchange fees. Elan Credit Card Company is joint marketing partner for credit card offerings.
- Deposit Account Fees: Monthly service fees on savings accounts ($2 for balances below $200), money market accounts ($10 for balances below $1,000), and checking accounts with qualification requirements.
- CD and Savings Interest: Certificates of Deposit with terms from 6 months to 5 years, minimum balances starting at $500, generating interest expense but creating stable deposit base.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | WB Savings - Competitive interest rate with $200 minimum balance to waive $2 monthly fee |
| Subscription | Monthly | WB Money Market - Tiered interest rates with $1,000 minimum balance |
| Subscription | Monthly | WB Student Checking - No minimum balance, no overdraft fees |
| Subscription | Monthly | WB Checking - No minimum balance with unlimited check writing |
| Subscription | Monthly | WB Checking Plus - $5,000 average monthly balance required |
| Subscription | Monthly | WB Rewards Checking - No minimum with ATM fee reimbursement |
| One time/ perpetual license | Pay-as-you-go | Certificates of Deposit (CDs) |
| Subscription | Pay-as-you-go | Individual Retirement Account (IRA) |
| Subscription | Monthly | Health Savings Account (HSA) - Tiered interest rates |
| Subscription | Monthly | WB Community Business Checking |
| Subscription | Monthly | WB Non-Profit Checking |
| Subscription | Monthly | WB Commercial Checking Account |
| Other | Pay-as-you-go | Additional Services |
Go-to-market motion2 records
Distribution channels5 records
Marketing channels6 records
Westbury Bank product offering
Product offeringCore offering
Westbury Bank is a Wisconsin-based community bank offering personal and business deposit accounts (checking, savings, money market, CDs, IRAs, HSAs), lending products (personal, commercial, and residential mortgages), treasury management services for businesses, and 24/7 digital banking through online and mobile platforms. The bank operates 8 branches across Washington and Waukesha Counties and generates revenue primarily from net interest income on loans and deposits, supplemented by account fees, debit card interchange, and treasury management fees.
Product overview
Westbury Bank offers a unified community banking platform centered on personal and business checking, savings, and lending products. The core personal banking lineup includes WB Student Checking, WB Checking, WB Checking Plus, WB Rewards Checking, WB Savings, WB Money Market, and Certificates of Deposit, complemented by Individual Retirement Accounts (Traditional and Roth IRA) and Health Savings Accounts. Business banking encompasses WB Community Business Checking, WB Non-Profit Checking, and WB Commercial Checking accounts, supported by Treasury Management services including ACH origination, wire transfers, Positive Pay fraud protection, and Merchant Source Capture. The digital banking infrastructure comprises Online Banking and Mobile Banking platforms with integrated Bill Pay, Zelle person-to-person payments, Debit Card Management, and e-Statements. Lending products span personal loans, commercial loans, and home mortgages including VA loans and home equity products. Additional services include safe deposit boxes, notary services, foreign currency exchange, coin counting, video tutorials, and financial planning calculators.
Differentiator
Problem solved
Functional benefit
Brands
- Westbury Bank Charitable Foundation: Community foundation established in 2013 that contributes 5% of its assets annually to worthy causes in the communities served, focusing on community development, affordable housing, health and human services, education, and youth programs.
Products and services
- WB Student Checking Checking account for youths, teens in high school, and college students with no minimum balance, no minimum age requirement, parent or guardian as joint owner for minors, and no overdraft or non-sufficient funds fees.
- WB Checking Standard personal checking account with no minimum balance, unlimited check writing, and unlimited debit card usage.
- WB Checking Plus Interest-earning personal checking requiring $5,000 average monthly balance with competitive tiered interest rates; $5.95 monthly service fee if not met.
- WB Rewards Checking Rewards checking with competitive tiered interest rates and ATM fee reimbursement, conditional on 15 debit card purchases, 1 direct deposit or auto debit, monthly online/mobile login, and eStatement enrollment; $2 monthly service fee if qualifications are not met.
- WB Savings Personal savings account earning competitive interest rates with $2.00 monthly service fee waived by maintaining a $200 daily minimum balance; limited to 6 debit transactions per statement period.
- WB Money Market Money market account with competitive tiered interest rates; $10.00 monthly service fee waived by maintaining $1,000 daily minimum balance; limited to 6 debit transactions per statement period.
- Certificates of Deposit (CDs) Fixed-term deposit accounts with minimum balances starting at $500, terms ranging from 6 months to 5 years, and competitive interest rates.
- Individual Retirement Account (IRA) Traditional or Roth IRA with $500 minimum opening deposit, offering tax-advantaged retirement savings supported by online calculators for eligibility and projected values.
- Health Savings Account (HSA) Tax-advantaged account for individuals with high-deductible health plans, offering tax-deductible contributions, tax-deferred growth, and tax-free withdrawals for qualified medical expenses. Earns 0.25% APY for balances $0 to $9,999.99 and 0.40% APY for balances $10,000 and above.
- Visa Zero+ Credit Card Credit card with low introductory rate on purchases and balance transfers, offered in partnership with Elan Credit Card Company.
- WB Community Business Checking Business checking account for local businesses with first 300 transactions per month, up to $10,000 cash deposits, 50 coin/currency orders, and 10 online bill payments included at no charge each month.
- WB Non-Profit Checking Business checking account for non-profit organizations with unlimited transactions, unlimited cash deposits, unlimited coin/currency orders, and unlimited online bill pay.
- WB Commercial Checking Account Customizable commercial checking for complex business needs with a menu of solutions and an earnings credit allowance to offset activity costs.
- Treasury Management Services Comprehensive business banking services including ACH origination, wire transfers, check and ACH positive pay, sweep accounts, business bill pay, business online banking, and merchant source capture.
- Personal Loans Variety of personal loans including auto, boat, motorcycle, snowmobile, ATV, vacation, debt consolidation, student loans, home improvements, and emergency funding with locally made credit decisions.
- Commercial Loans Business lending including lines of credit (accounts receivable and inventory financing), term loans (equipment and owner-occupied real estate), commercial real estate (purchase, construction, refinance, SBA loans), and letters of credit.
- Home Loans Residential mortgage lending including purchase, refinance, construction, Federal VA loans, and home equity loans and lines of credit serving Washington and Waukesha Counties.
- Online Banking Platform 24/7 web-based banking platform providing access to account balances, bill pay, check images, fund transfers, e-statements, tax documents, and account management with video tutorials and alerts.
- Mobile Banking App Native smartphone application for iOS and Android (App Store and Google Play) featuring mobile check deposit, instant balance, debit card management, digital wallets, and mobile alerts with real-time notifications.
- Zelle Person-to-Person Payments Integrated person-to-person payment service within online and mobile banking enabling customers to send money to friends and family instantly.
Quantifiable outcome
- Nearly 20,000 FREE ATMs available through MoneyPass network
- +3 more outcomes
Companies that use Westbury Bank
Customer profileNamed customers6 records
Segments4 records
Ideal customer profiles3 records
Westbury Bank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration8 records
Feature5 records
Westbury Bank partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Elan Credit Card CompanyminorJoint marketing partner for credit card offerings. Westbury Bank refers customers to Elan for credit card products as part of their card services.
Scale indicators11 records
Expansion highlights5 records
Westbury Bank competitors and assessment
Company assessmentBroad incumbents
- Nicolet National Bank: Larger Wisconsin-based community bank with significantly greater asset base and broader Wisconsin footprint. Comparable product suite (retail, commercial, mortgage) but operates at greater scale with more extensive technology investment.
- Associated Bank: Largest Wisconsin-based bank with statewide presence offering full retail, commercial, mortgage, and wealth management services. Competes with Westbury in the same Wisconsin geographies but at significantly greater scale.
Direct peers
- Investors Community Bank: Wisconsin community bank focused on commercial lending, ag lending, and business banking. Comparable to Westbury in serving Wisconsin small businesses and offering treasury management.
- Commerce State Bank: Wisconsin community bank providing personal and business banking with similar deposit products and commercial lending services. Comparable in size, geographic scope, and customer targeting to Westbury Bank.
- First Bank of Baldwin: Wisconsin community bank in western Wisconsin serving similar consumer and small business segments. Comparable as a deposit-gathering community bank with branch network and commercial lending operations.
- State Bank of Cross Plains: Wisconsin community bank with branch network across Dane County offering personal/business banking and commercial lending. Comparable to Westbury in scale, regulatory footprint, and community-focused banking model.
- Waukesha State Bank: Wisconsin-based community bank operating in Waukesha County with similar deposit-gathering, commercial lending, and retail banking services. Directly comparable in footprint, customer segments, and product suite to Westbury Bank.
- Hometown Bank: Wisconsin community bank headquartered in Oxford offering personal and commercial banking. Directly comparable in scale, product mix, and community banking model to Westbury.
- Ixonia Bank: Wisconsin community bank in Jefferson County with personal and business banking, commercial lending, and treasury services. Comparable as a small Wisconsin community bank competing for similar customer segments.
- Bank of Sun Prairie: Wisconsin community bank serving Dane County with personal and business banking products including checking, savings, and commercial lending. Comparable as a mid-sized Wisconsin community bank with similar deposit-funded business model.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks5 records
Key highlights6 records
Customer concentration
Westbury Bank social profiles
Digital presenceWestbury Bank compliance and trust
Trust signalCompliance2 records
Westbury Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
Westbury Bank leadership team
Management profileNumber of profiles
Profiles11 records
Westbury Bank funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Westbury Bank M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Westbury Bank
What does Westbury Bank do?
Westbury Bank is a Wisconsin-based community bank offering personal and business deposit accounts (checking, savings, money market, CDs, IRAs, HSAs), lending products (personal, commercial, and residential mortgages), treasury management services for businesses, and 24/7 digital banking through online and mobile platforms. The bank operates 8 branches across Washington and Waukesha Counties and generates revenue primarily from net interest income on loans and deposits, supplemented by account fees, debit card interchange, and treasury management fees.
Is Westbury Bank a public or private company?
Westbury Bank is a private company. It is classified as public and is currently operating.
When was Westbury Bank founded?
Westbury Bank was founded in 1926. It employs 101 to 250 people.
Where is Westbury Bank based?
Westbury Bank is headquartered in West Bend, United States, in the North America region.
How does Westbury Bank make money?
Five revenue lines are on record. Interest Income is the primary driver. The others are fee Income, credit Card Interchange, deposit Account Fees and CD and Savings Interest.
Who are Westbury Bank's main competitors?
Broad incumbents on record are Nicolet National Bank and Associated Bank. Direct peers are Investors Community Bank, Commerce State Bank, First Bank of Baldwin, State Bank of Cross Plains, Waukesha State Bank, Hometown Bank, Ixonia Bank and Bank of Sun Prairie.
Does Westbury Bank have an API?
No public API is recorded for Westbury Bank.
What industry is Westbury Bank in?
Westbury Bank's product category is Community Banking. Its primary akta.pro industry code is FSABAAAA, Mass-Market Consumer Deposit Banking (Checking/Savings), with a secondary code of FSABABAC, SME Deposits & Business Accounts (Operating, Savings, CDs). Its NAICS code is 52211 and its SIC code is 6022.