Johnson Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Johnson Bank, based in Racine, Wisconsin, reported $7.1 billion in assets at June 30, 2026. It holds about half of its deposits (49%) above the FDIC insurance limit, higher than about three-quarters of the 895 banks with $1 billion to $10 billion in assets (median 30.9%). It also grew its loan book 0.5% over the year, a small fraction of the median of 5.9% for banks its size.
Earnings jumped: net income for the quarter was $24 million, 81% above the same quarter a year earlier. Its $731 million commercial and industrial book is improving, with 0.02% past due or on nonaccrual, down from 1.04% a year earlier.
As of June 30, 2026, Johnson Bank reported a CET1 capital ratio of 15.62%, a return on assets of 1.38%, a nonperforming-loan ratio of 0.23% and a Texas ratio of 1.37%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 555 Main St, Racine, WI 53403
- County
- Racine
- Metro Area
- Racine-Mount Pleasant, WI
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- November 12, 1970
- Former names
- Heritage Bank and Trust (1978-1998); Heritage Bank (1970-1978)
- Offices
- 32 domestic
- Employees (FTE)
- 778
- Domestic deposits
- $5.63B
- Allowance for credit losses
- $76.4M
- Net charge-offs (YTD)
- -$1.7M
- Average total assets
- $7.01B
- Average total loans
- $5.31B
- Average interest-bearing deposits
- $4.68B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- November 12, 1970
- FDIC Cert
- 20296
- Fed RSSD
- 58243
- SEC CIK
- 1477024 → filed by JOHNSON FINANCIAL GROUP, INC.
- Website
- www.johnsonfinancialgroup.com →
- Parent Holding Company
- JOHNSON FINANCIAL GROUP, INC. (RSSD 1490701)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Johnson Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Johnson Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Johnson Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for Johnson Bank: Uninsured deposits.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.62% | 1.38% | 0.23% | 1.37% | 3.55% |
| Q1 2026 | 16.04% | 1.24% | 0.28% | 1.57% | 3.44% |
| Q4 2025 | 15.64% | 1.21% | 0.28% | 1.61% | 3.48% |
| Q3 2025 | 14.88% | 1.26% | 0.36% | 2.06% | 3.55% |
| Q2 2025 | 14.62% | 0.77% | 0.37% | 2.16% | 3.43% |
| Q1 2025 | 15.60% | 1.06% | 0.23% | 1.20% | 3.38% |
| Q4 2024 | 15.50% | 0.76% | 0.20% | 1.02% | 3.36% |
| Q3 2024 | 15.34% | 0.81% | 0.38% | 2.03% | 3.33% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 32 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Johnson Bank (main office) | Racine , WI | 53403 | $1.14B |
| Milwaukee Branch 82000 | Milwaukee , WI | 53202 | $956.7M |
| Sun Prairie Branch | Sun Prairie , WI | 53590 | $623.5M |
| Kenosha Main Branch 56000 | Kenosha , WI | 53142 | $621.4M |
| Janesville Main Office Branch 61000 | Janesville , WI | 53545 | $410.2M |
| Green Bay Downtown Branch 77000 | Green Bay , WI | 54301 | $399.5M |
| Hayward Branch 11000 | Hayward , WI | 54843 | $201.1M |
| Mt. Pleasant Branch 38000 | Racine , WI | 53406 | $145.6M |
| Douglas Branch 32000 | Racine , WI | 53402 | $121.5M |
| Wind Point Branch 31000 | Wind Point , WI | 53402 | $108.6M |
| West Branch 36000 | Racine , WI | 53406 | $99.4M |
| Holiday Drive Branch 63000 | Janesville , WI | 53545 | $85.2M |
| Kenosha South Branch 53000 | Kenosha , WI | 53142 | $84.3M |
| Kenosha Midtown Branch 51000 | Kenosha , WI | 53144 | $68.2M |
| Kohler Branch 84000 | Kohler , WI | 53044 | $67.3M |
| Fort Atkinson Branch 73000 | Fort Atkinson , WI | 53538 | $54.2M |
| Mukwonago Branch 71000 | Mukwonago , WI | 53149 | $50.4M |
| Brookfield Branch 82100 Branch | Brookfield , WI | 53005 | $47.0M |
| Franklin Office 81000 Branch | Franklin , WI | 53132 | $46.8M |
| De Pere Branch 76000 | De Pere , WI | 54115 | $39.4M |
| Strawberry Creek 57000 Branch | Kenosha , WI | 53142 | $38.7M |
| Rice Lake Main 18000 Branch | Rice Lake , WI | 54868 | $38.7M |
| Whitefish Bay Branch 79000 | Whitefish Bay , WI | 53217 | $32.9M |
| Madison West Towne Branch | Madison , WI | 53719 | $25.2M |
| Waukesha Branch 86000 | Waukesha , WI | 53188 | $23.0M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| June 19, 2006 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 19, 2006 | Structure Change | Acquired Johnson Bank Arizona, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 2, 2006 | Structure Change | Acquired Johnson Commercial Leasing, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 1, 2003 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2003 | Structure Change | Acquired Johnson Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 1, 2002 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 2002 | Structure Change | Acquired Capital Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 26, 2002 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 18, 2002 | Structure Change | Acquired Johnson Bank Hayward Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 24, 1998 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 24, 1998 | Structure Change | Acquired Johnson Bank, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 30, 1998 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 30, 1998 | Structure Change | Acquired The Bank of Fort Atkinson Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 19, 1990 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 17, 1990 | Structure Change | Acquired Heritage Bank of Mukwonago Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 16, 1990 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 16, 1990 | Structure Change | Acquired Heritage Bank of Kenosha Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 1990 | Structure Change | Acquired Heritage Bank Mt Pleasant Building Corporation Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 31, 1984 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 31, 1984 | Structure Change | Acquired Heritage Bank-Mt. Pleasant Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 20 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for Johnson Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 1 against the institution (Federal Reserve). These actions name the parent holding company, JOHNSON FINANCIAL GROUP, INC., not the bank itself
- May 10, 2011, Federal Reserve: Written Agreement: Johnson Financial Group, Inc. and Johnson Bank, both of Racine, Wisconsin
- Period: Most recent institution action May 10, 2011. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 2.7% of deposits in WI, rank 6 of 185 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 3,919 applications, 3,194 loans originated, $1.18B originated, across 21 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $1.8M approved, $912K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Johnson Bank
What are Johnson Bank's total assets?
As of the Q2 2026 filing, Johnson Bank reported total assets of $7.07 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Johnson Bank headquartered?
Johnson Bank is headquartered in Racine, WI, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Johnson Bank founded?
Johnson Bank was established in 1970, per the FDIC institution directory.
Is Johnson Bank FDIC-insured?
Yes. Johnson Bank is an FDIC-insured commercial bank (FDIC Certificate #20296). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Johnson Bank?
Johnson Bank's primary federal regulator is the Federal Reserve. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Johnson Bank's CET1 capital ratio?
Johnson Bank reported a Common Equity Tier 1 (CET1) capital ratio of 15.62% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Johnson Bank operate?
Johnson Bank operates 32 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Johnson Bank's Texas Ratio?
Johnson Bank's Texas Ratio is 1.37% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Johnson Bank previously called?
The charter now named Johnson Bank has also operated as Heritage Bank and Trust (1978-1998), Heritage Bank (1970-1978), per FDIC structure-change records.
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