Bank of Mauston
BankRegReports is independent of Bank of Mauston and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Bank of Mauston is an FDIC-insured commercial bank headquartered in Mauston, WI, established in 1932 (FDIC certificate 12327), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $426.7M, up 6.0% from Q2 2025, the 75th largest of 153 banks headquartered in Wisconsin. It reports no CET1 ratio; its Tier 1 leverage ratio was 14.75% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 12327
- Headquarters
- Mauston, WI
- Established
- 1932
- Total assets, Q2 2026
- $426.7M
- Assets vs Q2 2025
- +6.0%
- Tier 1 leverage ratio, Q2 2026
- 14.75%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 075903158
- Latest call report
- Q2 2026, FFIEC 051 · Bank of Mauston call report
- Holding company
- MAUSTON BANCORP, INC.
- Asset rank in state
- 75th of 153 in Wisconsin
Bank of Mauston is one of the more profitable banks of its size. It reported $427 million in assets at June 30, 2026, up 6.0% from a year earlier. It earns about $2.92 a year on every $100 of assets, about double the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 35 cents to bring in each dollar of revenue, lower than about 9 in 10 banks its size (median 61 cents).
Delinquency has appeared in its $78 million non-owner-occupied commercial real estate book: 2.83% of those loans are past due or on nonaccrual, against almost none a year earlier. Deposits are coming in faster than loans: over the year loans rose 1.8% and deposits rose 5.8%.
As of June 30, 2026, Bank of Mauston reported a return on assets of 2.92%, a nonperforming-loan ratio of 0.19% and a Texas ratio of 0.77%. The figures come from its call report filed with the FFIEC.
Of the 153 banks headquartered in Wisconsin, Bank of Mauston is the 75th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 1.6% to $426.7M, loans rose 0.8% and deposits rose 1.5%. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 31.4% of total loans, ahead of owner-occupied commercial real estate loans at 20.6%. Its 6 offices in the FDIC Summary of Deposits are in 5 cities in WI; its Mauston 2 offices book 68% of its branch deposits. Judged on its Q2 2026 call report, Bank of Mauston meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 503 Highway 82, Mauston, WI 53948
- County
- Juneau
- 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 12, 1932
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 68
- Domestic deposits
- $367.7M
- Allowance for credit losses
- $4.7M
- Net charge-offs (YTD)
- $2K
- Average total assets
- $418.0M
- Average total loans
- $249.5M
- Average interest-bearing deposits
- $313.4M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 12327
- Fed RSSD
- 601443
- Website
- www.bankofmauston.com →
- Parent Holding Company
- MAUSTON BANCORP, INC. (RSSD 1205857)
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, Bank of Mauston 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, Bank of Mauston's total assets ran between $390.6M (Q3 2023) and $427.0M (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
$426.7M total assets against $402.4M; $369.5M total liabilities against $350.6M.
$243.1M net loans and leases against $238.7M; $367.7M total deposits against $347.6M.
$143.5M securities against $125.4M; $33.3M cash and balances due against $31.4M.
$5.5M total interest income against $5.2M; $1.6M total interest expense against $1.6M.
$3.8M net interest income against $3.5M.
$890K total noninterest income against $756K; $1.7M total noninterest expense against $1.6M.
No provision recorded in the last 12 quarters.
$3.0M net income against $2.7M.
2.92% return on assets against 2.64%; 3.80% net interest margin against 3.61%.
14.75% tier 1 leverage ratio against 14.13%.
Inside the full Bank of Mauston 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.
Held-to-maturity securities carry unrealized losses worth 10–25% of book equity. Carried at amortized cost, they do not reduce reported capital, but they shrink the bank's true mark-to-market cushion if the securities ever have to be sold. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
Bank of Mauston rankings
Its closest position to the top of a national ranking is 79 of 3,611, for ROA; its furthest is 2,819 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.68% (Q4 2024) to 2.95% (Q4 2025) and its net interest margin ran from 2.80% (Q3 2024) to 3.80% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.75% | 2.92% | 0.19% | 0.77% | 3.80% |
| Q1 2026 | 14.32% | 2.29% | 0.01% | 0.05% | 3.52% |
| Q4 2025 | 14.91% | 2.95% | 0.01% | 0.05% | 3.09% |
| Q3 2025 | 14.67% | 2.59% | 0.01% | 0.03% | 3.64% |
| Q2 2025 | 14.13% | 2.64% | 0.01% | 0.03% | 3.61% |
| Q1 2025 | 13.71% | 2.15% | 0.01% | 0.03% | 3.24% |
| Q4 2024 | 13.44% | 1.68% | 0.00% | 0.01% | 3.09% |
| Q3 2024 | 12.93% | 1.91% | 0.00% | 0.02% | 2.80% |
Swipe the table sideways to see every column.
Branch Network
View all 6 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 Mauston (main office) | Mauston , WI | 53948 | $246.8M |
| Dells-Delton Bank | Wisconsin Dells , WI | 53965 | $36.1M |
| New Lisbon Branch | New Lisbon , WI | 53950 | $31.3M |
| Necedah Branch | Necedah , WI | 54646 | $30.5M |
| Lyndon Station Branch | Lyndon Station , WI | 53944 | $20.7M |
| Mauston Division Street Branch | Mauston , WI | 53948 | $2.3M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in WI, rank 81 of 185 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $400K approved, $400K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2023 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows Bank of Mauston’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about Bank of Mauston
What are Bank of Mauston's total assets?
As of the Q2 2026 filing, Bank of Mauston reported total assets of $426.7 million in its FFIEC call report.
Where is Bank of Mauston headquartered?
It is headquartered in Mauston, WI, United States.
When was Bank of Mauston founded?
It was established in 1932, per the FDIC institution directory.
Is Bank of Mauston FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #12327). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank of Mauston?
Bank of Mauston's primary federal regulator is the FDIC.
How many branches does Bank of Mauston operate?
It operates 6 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 Mauston's Texas Ratio?
Its Texas Ratio is 0.77% 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.
Go deeper on Bank of Mauston.
Get an email when Bank of Mauston files its next call report, and benchmark it against any peer you choose.
Unlock Bank of Mauston, freeFree account