Bank of Luxemburg
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Data as of · sourced from FFIEC call reports. How we update
Bank of Luxemburg is an FDIC-insured commercial bank headquartered in Luxemburg, WI, established in 1903 (FDIC certificate 13264), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $723.4M, up 2.1% from Q2 2025, the 48th largest of 153 banks headquartered in Wisconsin. Its CET1 capital ratio was 11.40% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 13264
- Headquarters
- Luxemburg, WI
- Established
- 1903
- Total assets, Q2 2026
- $723.4M
- Assets vs Q2 2025
- +2.1%
- CET1 ratio, Q2 2026
- 11.40%
- Domestic offices
- 9 FDIC institution directory, current count
- Routing number
- 075905910
- Latest call report
- Q2 2026, FFIEC 041 · Bank of Luxemburg call report
- Holding company
- LUXEMBURG BANCSHARES, INC.
- Asset rank in state
- 48th of 153 in Wisconsin
Bank of Luxemburg operates with a thinner capital cushion than most banks of its size. Based in Luxemburg, Wisconsin, it had $723 million in assets at June 30, 2026, up 2.1% from a year earlier. It holds common equity equal to 11.40% of its risk-weighted assets, lower than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 15.12%). It also holds commercial real estate loans worth 2.6 times its capital, about double the median of 1.2 times for banks its size.
Unrealized losses on its securities total $13 million, equal to 18% of Tier 1 capital, against 23% a year earlier. Loans are outrunning deposits: over the year loans rose 4.4% and deposits rose 1.0%.
As of June 30, 2026, Bank of Luxemburg reported a CET1 capital ratio of 11.40%, a return on assets of 0.96%, a nonperforming-loan ratio of 0.18% and a Texas ratio of 1.51%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Bank of Luxemburg is the 48th largest of the 153 banks headquartered in Wisconsin. From Q1 2026 to Q2 2026, its total assets fell 0.2% to $723.4M, loans rose 2.0% and deposits fell 0.6%. 1-4 family residential loans made up 22.6% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 21.5%. Its 9 offices in the FDIC Summary of Deposits are in 8 cities in WI; its Luxemburg office books 25% of its branch deposits. On its Q2 2026 call report, Bank of Luxemburg meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 630 Main St, Luxemburg, WI 54217
- County
- Kewaunee
- Metro Area
- Green Bay, 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
- Limited trust powers granted
- Call Report form
- FFIEC 041
- Established
- October 3, 1903
- Domestic offices
- 9 FDIC institution directory, current count
- Employees (FTE)
- 111
- Domestic deposits
- $627.2M
- Allowance for credit losses
- $5.0M
- Net charge-offs (YTD)
- $49K
- Average total assets
- $721.5M
- Average total loans
- $547.6M
- Average interest-bearing deposits
- $533.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 13264
- Fed RSSD
- 580548
- SEC CIK
- 1037265 → filed by LUXEMBURG BANCSHARES, INC.
- Website
- www.bankofluxemburg.com →
- Parent Holding Company
- LUXEMBURG BANCSHARES, INC. (RSSD 1209743)
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
Bank of Luxemburg's total assets moved between a low of $632.2M (Q3 2023) and a high of $724.9M (Q1 2026) from Q3 2023 to 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
$723.4M total assets against $708.2M; $663.2M total liabilities against $656.0M.
$552.2M net loans and leases against $528.6M; $627.2M total deposits against $620.7M.
$126.2M securities against $121.1M; $11.9M cash and balances due against $24.9M.
$9.9M total interest income against $9.5M; $3.3M total interest expense against $3.3M.
$6.6M net interest income against $6.2M.
$1.4M total noninterest income against $939K; $5.5M total noninterest expense against $4.7M.
$362K provision for credit losses against $150K.
$1.7M net income against $1.9M.
0.96% return on assets against 1.10%; 3.80% net interest margin against 3.72%.
11.40% CET1 capital ratio against 10.62%; 9.64% tier 1 leverage ratio against 9.17%.
Inside the full Bank of Luxemburg 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.
Bank of Luxemburg rankings
Its closest position to the top of a national ranking is 1,337 of 4,196, for total assets; its furthest is 1,868 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.07% (Q4 2024) to 1.45% (Q4 2025) and its net interest margin ran from 3.24% (Q3 2024) to 3.80% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.40% | 0.96% | 0.18% | 1.51% | 3.80% |
| Q1 2026 | 11.39% | 0.63% | 0.13% | 1.08% | 3.75% |
| Q4 2025 | 11.33% | 1.45% | 0.04% | 0.33% | 3.79% |
| Q3 2025 | 10.74% | 1.09% | 0.66% | 5.96% | 3.77% |
| Q2 2025 | 10.62% | 1.10% | 0.04% | 0.35% | 3.72% |
| Q1 2025 | 10.77% | 0.79% | 0.07% | 0.67% | 3.47% |
| Q4 2024 | 10.79% | 0.07% | 0.04% | 0.37% | 3.36% |
| Q3 2024 | 10.97% | 0.81% | 0.04% | 0.37% | 3.24% |
Swipe the table sideways to see every column.
Branch Network
View all 9 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 |
|---|---|---|---|
| Bank of Luxemburg (main office) | Luxemburg , WI | 54217 | $157.3M |
| 510 Second Street Branch | Algoma , WI | 54201 | $94.7M |
| Banking Center of Bellevue Branch | Green Bay , WI | 54302 | $89.8M |
| Sturgeon Bay Wi Branch | Sturgeon Bay , WI | 54235 | $74.7M |
| Kewaunee Office Branch | Kewaunee , WI | 54216 | $53.6M |
| Casco Branch | Casco , WI | 54205 | $49.8M |
| Dyckesville Branch | Dyckesville , WI | 54217 | $48.3M |
| Bank of Luxemburg Branch | Green Bay , WI | 54313 | $40.9M |
| Bank of Luxemburg Branch | Fish Creek , WI | 54212 | $18.0M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.3% of deposits in WI, rank 49 of 185 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 204 applications, 166 loans originated, $50.2M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 5 loans, $1.2M approved, $232K 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
- 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 Bank of Luxemburg
What are Bank of Luxemburg's total assets?
As of the Q2 2026 filing, Bank of Luxemburg reported total assets of $723.4 million in its FFIEC call report.
Where is Bank of Luxemburg headquartered?
It is headquartered in Luxemburg, WI, United States.
When was Bank of Luxemburg founded?
It was established in 1903, per the FDIC institution directory.
Is Bank of Luxemburg FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #13264). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank of Luxemburg?
Bank of Luxemburg's primary federal regulator is the FDIC.
What is Bank of Luxemburg's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.40% in its Q2 2026 call report, above regulatory requirements.
How many branches does Bank of Luxemburg operate?
It operates 9 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Bank of Luxemburg's Texas Ratio?
Its Texas Ratio is 1.51% 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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