The Bank of Kaukauna
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Data as of · sourced from FFIEC call reports. How we update
The Bank of Kaukauna is an FDIC-insured commercial bank headquartered in Kaukauna, WI, supervised by the FDIC, with $176.3M in total assets at Q2 2026, up 6.8% from Q2 2025, the 122nd largest of 153 banks headquartered in Wisconsin. It was established in 1883 and holds FDIC certificate 15228. Its CET1 capital ratio was 10.70% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 15228
- Headquarters
- Kaukauna, WI
- Established
- 1883
- Total assets, Q2 2026
- $176.3M
- Assets vs Q2 2025
- +6.8%
- CET1 ratio, Q2 2026
- 10.70%
- Domestic offices
- 1 · The Bank of Kaukauna branches FDIC institution directory, current count
- Routing number
- 075901972
- Safety and soundness
- Is The Bank of Kaukauna safe?
- Latest call report
- Q2 2026, FFIEC 051 · The Bank of Kaukauna call report
- Holding company
- BROGAN BANKSHARES, INC.
- Asset rank in state
- 122nd of 153 in Wisconsin
The Bank of Kaukauna operates with a thinner capital cushion than most banks of its size. Based in Kaukauna, Wisconsin, it had $176 million in assets at June 30, 2026, up 6.8% from a year earlier. It holds common equity equal to 10.70% of its risk-weighted assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 15.12%). On the other hand, it carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 banks its size (median 2.6%).
Net income for the quarter rose 20% from a year earlier, to $558,000. Over the same year, loans grew 12.0% and deposits grew 6.8%. Concentration is the risk to watch: it holds commercial real estate loans worth 2.4 times its capital, about double the median of 1.2 times for banks its size.
As of June 30, 2026, The Bank of Kaukauna reported a CET1 capital ratio of 10.70%, a return on assets of 1.26%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, The Bank of Kaukauna is the 122nd largest of the 153 banks headquartered in Wisconsin. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 5.6% to $176.3M, loans rose 4.4% and deposits rose 6.0%. The largest part of its loan book on June 30, 2026 was commercial and industrial loans, at 24.6% of total loans, ahead of owner-occupied commercial real estate loans at 23.7%. Its one office in the FDIC Summary of Deposits is in Kaukauna, WI. By the capital ratios in its Q2 2026 call report, The Bank of Kaukauna meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 264 W Wisconsin Ave, Kaukauna, WI 54130
- County
- Outagamie
- Metro Area
- Appleton, WI
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- September 1, 1883
- Former names
- The Bank of Kaukauna (1973)
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 45
- Domestic deposits
- $152.9M
- Allowance for credit losses
- $1.4M
- Net charge-offs (YTD)
- $40K
- Average total assets
- $176.6M
- Average total loans
- $129.8M
- Average interest-bearing deposits
- $116.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- July 1, 1935
- FDIC Cert
- 15228
- Fed RSSD
- 380944
- Website
- WWW.BANKOFKAUKAUNA.COM →
- Parent Holding Company
- BROGAN BANKSHARES, INC. (RSSD 1202744)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, The Bank of Kaukauna's total assets ran between $142.6M (Q1 2024) and $188.1M (Q4 2025), 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
$176.3M total assets against $165.1M; $161.0M total liabilities against $151.0M.
$130.6M net loans and leases against $116.5M; $152.9M total deposits against $143.2M.
$14.6M securities against $15.3M; $21.2M cash and balances due against $24.8M.
$2.3M total interest income against $2.2M; $619K total interest expense against $727K.
$1.7M net interest income against $1.5M.
$1.0M total noninterest income against $960K; $2.0M total noninterest expense against $1.8M.
$27K provision for credit losses against $32K.
$558K net income against $464K.
1.26% return on assets against 1.10%; 4.21% net interest margin against 3.74%.
10.70% CET1 capital ratio against 11.21%; 8.90% tier 1 leverage ratio against 8.58%.
Inside the full The Bank of Kaukauna 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 Kaukauna rankings
Its closest position to the top of a national ranking is 1,847 of 3,611, for ROA; its furthest is 3,551 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.84% (Q3 2024) to 1.43% (Q4 2024) and its net interest margin ran from 3.46% (Q1 2025) to 4.21% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.70% | 1.26% | 0.00% | 0.00% | 4.21% |
| Q1 2026 | 11.11% | 0.94% | 0.00% | 0.00% | 3.93% |
| Q4 2025 | 10.49% | 1.12% | 0.00% | 0.00% | 3.95% |
| Q3 2025 | 11.27% | 1.08% | 0.00% | 0.00% | 3.91% |
| Q2 2025 | 11.21% | 1.10% | 0.09% | 0.75% | 3.74% |
| Q1 2025 | 10.76% | 1.02% | 0.30% | 2.56% | 3.46% |
| Q4 2024 | 10.65% | 1.43% | 0.20% | 1.78% | 3.82% |
| Q3 2024 | 10.76% | 0.84% | 0.00% | 0.00% | 3.66% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 Kaukauna | Kaukauna , WI | 54130 | $152.9M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (Federal Reserve). These actions name the parent holding company, BROGAN BANKSHARES, INC., not the bank itself
- February 2, 2012, Federal Reserve: Written Agreement: Brogan Bankshares, Inc., Kaukauna, Wisconsin
- Period: Most recent institution action February 2, 2012. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in WI, rank 136 of 185 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 43 applications, 31 loans originated, $6.1M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $864K approved, $864K 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).
- Not on file
- 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 Kaukauna
What are The Bank of Kaukauna's total assets?
As of the Q2 2026 filing, The Bank of Kaukauna reported total assets of $176.3 million in its FFIEC call report.
Where is The Bank of Kaukauna headquartered?
It is headquartered in Kaukauna, WI, United States.
When was The Bank of Kaukauna founded?
It was established in 1883, per the FDIC institution directory.
Is The Bank of Kaukauna FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #15228). 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 Kaukauna?
The Bank of Kaukauna's primary federal regulator is the FDIC.
What is The Bank of Kaukauna's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 10.70% in its Q2 2026 call report, above regulatory requirements.
How many branches does The Bank of Kaukauna operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Bank of Kaukauna's Texas Ratio?
Its Texas Ratio is 0.00% 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.
What was The Bank of Kaukauna previously called?
The charter now named The Bank of Kaukauna has also operated as The Bank of Kaukauna (1973), per FDIC structure-change records.
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