Bank of Milton
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Data as of · sourced from FFIEC call reports. How we update
Bank of Milton is an FDIC-insured commercial bank headquartered in Milton, WI, established in 1884 (FDIC certificate 11232), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $221.4M, up 5.1% from Q2 2025, the 116th largest of 153 banks headquartered in Wisconsin. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.51% 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
- 11232
- Headquarters
- Milton, WI
- Established
- 1884
- Total assets, Q2 2026
- $221.4M
- Assets vs Q2 2025
- +5.1%
- Tier 1 leverage ratio, Q2 2026
- 9.51%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 075906087
- Latest call report
- Q2 2026, FFIEC 051 · Bank of Milton call report
- Holding company
- MILTON BANCSHARES, INC.
- Asset rank in state
- 116th of 153 in Wisconsin
Problem loans are rising at Bank of Milton. The Milton, Wisconsin bank had $221 million in assets at June 30, 2026, up 5.1% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 2.34% of loans from 0.03% a year earlier. It carries problem assets equal to 19.0% of the capital and reserves that would absorb them, 7.2 times the median of 2.6% for the 2,660 banks with $100 million to $1 billion in assets. On the other hand, it returns 20.2% a year on shareholders' equity, higher than about three-quarters of banks its size (median 12.5%).
Where it has less room is capital: it funds 9.51% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
As of June 30, 2026, Bank of Milton reported a return on assets of 1.64%, a nonperforming-loan ratio of 2.34% and a Texas ratio of 19.01%. The figures come from its call report filed with the FFIEC.
Bank of Milton ranks as the 116th largest of the 153 banks based in Wisconsin, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 0.4% to $221.4M, loans rose 3.0% and deposits rose 0.3%. Owner-occupied commercial real estate loans made up 32.5% of its total loans on June 30, 2026, its largest category; next came 1-4 family residential loans at 28.7%. Its 2 offices in the FDIC Summary of Deposits are in Milton, WI and Edgerton, WI; its Milton office books 71% of its branch deposits. By the capital ratios in its Q2 2026 call report, Bank of Milton meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 323 Parkview Dr, Milton, WI 53563
- County
- Rock
- Metro Area
- Janesville-Beloit, 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
- March 25, 1884
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 26
- Domestic deposits
- $193.7M
- Allowance for credit losses
- $2.8M
- Net charge-offs (YTD)
- -$1K
- Average total assets
- $221.6M
- Average total loans
- $170.3M
- Average interest-bearing deposits
- $158.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 11232
- Fed RSSD
- 426945
- Website
- www.bankofmilton.com →
- Parent Holding Company
- MILTON BANCSHARES, INC. (RSSD 2342722)
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 Milton reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Bank of Milton's total assets moved between a low of $171.2M (Q3 2023) and a high of $233.0M (Q4 2025) from Q3 2023 to Q2 2026, and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$221.4M total assets against $210.7M; $203.1M total liabilities against $193.2M.
$169.4M net loans and leases against $159.7M; $193.7M total deposits against $181.8M.
$37.9M securities against $40.4M; $9.4M cash and balances due against $4.8M.
$3.2M total interest income against $2.9M; $965K total interest expense against $819K.
$2.2M net interest income against $2.1M.
$192K total noninterest income against $234K; $1.1M total noninterest expense against $1.1M.
$75K provision for credit losses against $30K.
$908K net income against $912K.
1.64% return on assets against 1.80%; 4.10% net interest margin against 4.31%.
9.51% tier 1 leverage ratio against 9.53%.
Inside the full Bank of Milton terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Its closest position to the top of a national ranking is 194 of 3,640, for Texas Ratio; its furthest is 2,846 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.77% (Q4 2025) to 1.89% (Q3 2025) and its net interest margin ran from 3.93% (Q1 2025) to 4.38% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.51% | 1.64% | 2.34% | 19.01% | 4.10% |
| Q1 2026 | 8.98% | 1.46% | 2.41% | 19.86% | 4.00% |
| Q4 2025 | 8.60% | 0.77% | 2.36% | 19.31% | 4.11% |
| Q3 2025 | 9.14% | 1.89% | 0.02% | 0.17% | 4.38% |
| Q2 2025 | 9.53% | 1.80% | 0.03% | 1.82% | 4.31% |
| Q1 2025 | 8.90% | 1.48% | 0.04% | 1.57% | 3.93% |
| Q4 2024 | 9.24% | 1.72% | 0.03% | 3.07% | 4.15% |
| Q3 2024 | 9.12% | 1.35% | 0.08% | 3.11% | 4.24% |
Swipe the table sideways to see every column.
Branch Network
View all 2 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 Milton (main office) | Milton , WI | 53563 | $138.1M |
| Edgerton Branch | Edgerton , WI | 53534 | $55.7M |
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 29, 2012 | Structure Change | Acquired Milton Savings Bank Charter Retained (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 15, 2009 | Structure Change | Acquired Milton Investments, Inc. 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
- <0.1% of deposits in WI, rank 126 of 185 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 99 applications, 85 loans originated, $22.0M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $3.5M approved, $3.5M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2012 (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 Milton
What are Bank of Milton's total assets?
As of the Q2 2026 filing, Bank of Milton reported total assets of $221.4 million in its FFIEC call report.
Where is Bank of Milton headquartered?
It is headquartered in Milton, WI, United States.
When was Bank of Milton founded?
It was established in 1884, per the FDIC institution directory.
Is Bank of Milton FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #11232). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank of Milton?
Bank of Milton's primary federal regulator is the FDIC.
How many branches does Bank of Milton operate?
It operates 2 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 Milton's Texas Ratio?
Its Texas Ratio is 19.01% 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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