OOSTBURG STATE BANK

OOSTBURG, WI | Small | Est. March 1, 1908, midnight | FDIC #10380 | RSSD #248745 | FDIC
Latest Report: 2025-12-31

OOSTBURG STATE BANK is asn small FDIC-insured commercial bank headquartered in OOSTBURG, WI, established in March 1, 1908, midnight. As of 2025-12-31, the bank reported total assets of $434M and total deposits of $383M. Profitability stands at 0.93% ROA and 8.77% ROE, with a net interest margin of 4.07%. The bank's CET1 capital ratio is 12.99%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.20% and a Texas Ratio of 1.25%. FDIC Certificate #10380.

Assets

$434M

Deposits

$383M

Loans

$303M

Equity

$45M

Profitability

Return on Assets (ROA) 0.93%
Return on Equity (ROE) 8.77%
Net Interest Margin (NIM) 4.07%
Yield on Assets 5.87%
Cost of Funds 1.87%

Asset Quality

NPL Ratio 0.20%
Net Charge-Off Ratio 0.00%
Texas Ratio 1.25%
NPA Ratio 0.14%
ACL / Loans 1.36%

Capital & Liquidity

CET1 Ratio 12.99%
Tier 1 Capital 12.99%
Total Capital Ratio 14.24%
Leverage Ratio 11.15%
Loan-to-Deposit 79.04%

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