The Bank of Brodhead
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Data as of · sourced from FFIEC call reports. How we update
The Bank of Brodhead is an FDIC-insured commercial bank headquartered in Brodhead, WI, established in 1896 (FDIC certificate 2455), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $421.9M, up 14.7% from Q2 2025, the 76th largest of 153 banks headquartered in Wisconsin. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.20% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 2455
- Headquarters
- Brodhead, WI
- Established
- 1896
- Total assets, Q2 2026
- $421.9M
- Assets vs Q2 2025
- +14.7%
- Tier 1 leverage ratio, Q2 2026
- 9.20%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 075903242
- Latest call report
- Q2 2026, FFIEC 051 · The Bank of Brodhead call report
- Holding company
- BRODHEAD BANCSHARES, INC.
- Asset rank in state
- 76th of 153 in Wisconsin
Problem loans are rising at The Bank of Brodhead. The Brodhead, Wisconsin bank had $422 million in assets at June 30, 2026, up 14.7% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.24% of loans from 0.11% a year earlier. It grew deposits 16.7% over the year, 4.1 times the median of 4.0% for the 2,660 banks with $100 million to $1 billion in assets. It also pays an average of 2.62% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
Earnings jumped: net income for the quarter was $737,000, 64% above the same quarter a year earlier. Delinquency has appeared in its $35 million commercial and industrial book: 9.78% of those loans are past due or on nonaccrual, against almost none a year earlier. Where it has less room is capital: it funds 9.20% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
As of June 30, 2026, The Bank of Brodhead reported a return on assets of 0.71%, a nonperforming-loan ratio of 1.24% and a Texas ratio of 9.60%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, The Bank of Brodhead is the 76th largest of the 153 banks headquartered in Wisconsin. Between Q1 2026 and Q2 2026, its total assets rose 1.3% to $421.9M, loans rose 2.7% and deposits rose 0.4%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 26.3% of total loans, ahead of multifamily loans at 15.1%. The FDIC Summary of Deposits lists 4 offices for it, in Brodhead, WI, Orfordville, WI and Milton, WI; its Brodhead 2 offices book 70% of its branch deposits. By the capital ratios in its Q2 2026 call report, The Bank of Brodhead meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 806 E Exchange St, Brodhead, WI 53520
- County
- Green
- Metro Area
- Madison, 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
- —
- Call Report form
- FFIEC 051
- Established
- April 30, 1896
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 44
- Domestic deposits
- $338.2M
- Allowance for credit losses
- $3.3M
- Net charge-offs (YTD)
- $1K
- Average total assets
- $416.8M
- Average total loans
- $291.1M
- Average interest-bearing deposits
- $279.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 2455
- Fed RSSD
- 517441
- Website
- www.bankofbrodhead.com →
- Parent Holding Company
- BRODHEAD BANCSHARES, INC. (RSSD 5371853)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, The Bank of Brodhead reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, The Bank of Brodhead's total assets ran between $293.2M (Q3 2023) and $421.9M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$421.9M total assets against $367.9M; $384.5M total liabilities against $333.9M.
$293.5M net loans and leases against $257.9M; $338.2M total deposits against $289.7M.
$95.9M securities against $85.3M; $4.9M cash and balances due against $4.5M.
$5.7M total interest income against $4.8M; $2.5M total interest expense against $2.1M.
$3.2M net interest income against $2.7M.
$334K total noninterest income against $274K; $2.4M total noninterest expense against $2.3M.
$217K provision for credit losses against $129K.
$737K net income against $450K.
0.71% return on assets against 0.51%; 3.24% net interest margin against 3.18%.
9.20% tier 1 leverage ratio against 9.95%.
Inside the full The Bank of Brodhead terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this 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.
The Bank of Brodhead rankings
Its closest position to the top of a national ranking is 676 of 3,640, for Texas Ratio; its furthest is 3,015 of 3,611, for ROA.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.50% (Q1 2025) to 0.86% (Q3 2025) and its net interest margin ran from 2.83% (Q3 2024) to 3.24% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.20% | 0.71% | 1.24% | 9.60% | 3.24% |
| Q1 2026 | 9.06% | 0.74% | 1.81% | 13.95% | 3.08% |
| Q4 2025 | 9.11% | 0.64% | 1.39% | 10.66% | 2.86% |
| Q3 2025 | 9.30% | 0.86% | 0.14% | 1.03% | 3.24% |
| Q2 2025 | 9.95% | 0.51% | 0.11% | 0.82% | 3.18% |
| Q1 2025 | 10.07% | 0.50% | 0.15% | 1.06% | 3.06% |
| Q4 2024 | 10.39% | 0.73% | 0.18% | 1.26% | 2.93% |
| Q3 2024 | 10.70% | 0.69% | 0.14% | 0.94% | 2.83% |
Swipe the table sideways to see every column.
Branch Network
View all 4 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The Bank of Brodhead | Brodhead , WI | 53520 | $218.3M |
| Orfordville Branch | Orfordville , WI | 53576 | $89.4M |
| Www.Vault.Bank Branch | Brodhead , WI | 53520 | $20.0M |
| Milton Branch | Milton , WI | 53563 | $10.5M |
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 |
|---|---|---|---|
| March 7, 2020 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 7, 2020 | Structure Change | Acquired Farmers & Merchants Bank, of Orfordville 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 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in WI, rank 86 of 185 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 117 applications, 100 loans originated, $46.1M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $95K approved, $48K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about The Bank of Brodhead
What are The Bank of Brodhead's total assets?
As of the Q2 2026 filing, The Bank of Brodhead reported total assets of $421.9 million in its FFIEC call report.
Where is The Bank of Brodhead headquartered?
It is headquartered in Brodhead, WI, United States.
When was The Bank of Brodhead founded?
It was established in 1896, per the FDIC institution directory.
Is The Bank of Brodhead FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #2455). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Bank of Brodhead?
The Bank of Brodhead's primary federal regulator is the Federal Reserve.
How many branches does The Bank of Brodhead operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Bank of Brodhead's Texas Ratio?
Its Texas Ratio is 9.60% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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