Bankers' Bank
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Data as of · sourced from FFIEC call reports. How we update
Bankers' Bank is an FDIC-insured commercial bank headquartered in Madison, WI, established in 1981 (FDIC certificate 23537), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $1.47B, up 2.4% from Q2 2025, the 22nd largest of 153 banks headquartered in Wisconsin. Its CET1 capital ratio was 15.86% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 23537
- Headquarters
- Madison, WI
- Established
- 1981
- Total assets, Q2 2026
- $1.47B
- Assets vs Q2 2025
- +2.4%
- CET1 ratio, Q2 2026
- 15.86%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 075912479
- Latest call report
- Q2 2026, FFIEC 051 · Bankers' Bank call report
- Holding company
- BANKERS' BANCORPORATION, INC.
- Asset rank in state
- 22nd of 153 in Wisconsin
Bankers' Bank, based in Madison, Wisconsin, reported $1.5 billion in assets at June 30, 2026, up 2.4% from a year earlier. It keeps 2.76 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 3.71 cents). On the other hand, it funds 14.70% of its assets with Tier 1 capital, higher than about 9 in 10 banks its size (median 10.52%).
Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.55% of loans from 1.49%. Earnings jumped: net income for the quarter was $3.4 million, 36% above the same quarter a year earlier. Funding is the softer spot: it holds about two-thirds of its deposits (63%) above the FDIC insurance limit, about double the median of 30.9% for banks its size.
As of June 30, 2026, Bankers' Bank reported a CET1 capital ratio of 15.86%, a return on assets of 0.98%, a nonperforming-loan ratio of 0.55% and a Texas ratio of 6.86%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Bankers' Bank is the 22nd largest of the 153 banks headquartered in Wisconsin. From Q1 2026 to Q2 2026, its total assets rose 1.5% to $1.47B, loans fell 0.3% and deposits rose 5.2%. Its loan book on June 30, 2026 was led by loans to nondepository financial institutions, at 29.2% of total loans, followed by non-owner-occupied commercial real estate loans at 19.1%. The FDIC Summary of Deposits lists a single office for it, in Madison, WI. On its Q2 2026 call report, Bankers' Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 7700 Mineral Point Rd, Madison, WI 53717
- County
- Dane
- 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
- Limited trust powers granted
- Call Report form
- FFIEC 051
- Established
- September 1, 1981
- Former names
- Bankers Bank of Wisconsin (1984-1993)
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 132
- Domestic deposits
- $951.9M
- Allowance for credit losses
- $14.5M
- Net charge-offs (YTD)
- $1.7M
- Average total assets
- $1.40B
- Average total loans
- $1.03B
- Average interest-bearing deposits
- $585.7M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- September 1, 1981
- FDIC Cert
- 23537
- Fed RSSD
- 408642
- SEC CIK
- 1751871 → filed by BANKERS' BANCORPORATION, INC.
- Website
- www.bankersbank.com →
- Parent Holding Company
- BANKERS' BANCORPORATION, INC. (RSSD 1209958)
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
Bankers' Bank's total assets moved between a low of $1.42B (Q4 2025) and a high of $1.48B (Q1 2024) 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
$1.47B total assets against $1.43B; $1.27B total liabilities against $1.27B.
$1.11B net loans and leases against $1.11B; $951.9M total deposits against $892.2M.
$206.4M securities against $198.4M; $53.9M cash and balances due against $41.6M.
$17.6M total interest income against $16.8M; $8.2M total interest expense against $9.4M.
$9.4M net interest income against $7.4M.
$6.7M total noninterest income against $6.3M; $10.5M total noninterest expense against $9.1M.
$1.1M provision for credit losses against $1.3M.
$3.4M net income against $2.5M.
0.98% return on assets against 0.72%; 2.76% net interest margin against 2.19%.
15.86% CET1 capital ratio against 13.82%; 14.70% tier 1 leverage ratio against 12.63%.
Inside the full Bankers' Bank 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.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios. BankRegReports early-warning band.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
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.
Bankers' Bank rankings
Its closest position to the top of a national ranking is 30 of 980, for uninsured deposits; its furthest is 2,554 of 3,611, for ROA.
Metric pages for Bankers' Bank: Uninsured deposits.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.67% (Q1 2025) to 0.98% (Q2 2026) and its net interest margin ran from 1.75% (Q3 2024) to 2.76% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.86% | 0.98% | 0.55% | 6.86% | 2.76% |
| Q1 2026 | 15.63% | 0.90% | 1.44% | 7.86% | 2.61% |
| Q4 2025 | 15.68% | 0.97% | 1.40% | 7.64% | 2.55% |
| Q3 2025 | 14.11% | 0.87% | 1.68% | 10.44% | 2.38% |
| Q2 2025 | 13.82% | 0.72% | 1.49% | 9.48% | 2.19% |
| Q1 2025 | 13.94% | 0.67% | 1.64% | 10.40% | 2.01% |
| Q4 2024 | 13.63% | 0.82% | 1.07% | 6.98% | 1.91% |
| Q3 2024 | 13.39% | 0.76% | 1.08% | 7.00% | 1.75% |
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 |
|---|---|---|---|
| Bankers' Bank (main office) | Madison , WI | 53717 | $951.9M |
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 |
|---|---|---|---|
| January 1, 2018 | Structure Change | Acquired BB Iowa Sales, 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 1 event.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.5% of deposits in WI, rank 30 of 185 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 589 applications, 402 loans originated, $97.8M originated, across 11 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Not on file
- Enforcement actions, SBA 7(a) lending, 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 Bankers' Bank
What are Bankers' Bank's total assets?
As of the Q2 2026 filing, Bankers' Bank reported total assets of $1.47 billion in its FFIEC call report.
Where is Bankers' Bank headquartered?
It is headquartered in Madison, WI, United States.
When was Bankers' Bank founded?
It was established in 1981, per the FDIC institution directory.
Is Bankers' Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #23537). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bankers' Bank?
Bankers' Bank's primary federal regulator is the Federal Reserve.
What is Bankers' Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 15.86% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Bankers' Bank 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 Bankers' Bank's Texas Ratio?
Its Texas Ratio is 6.86% 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 Bankers' Bank previously called?
The charter now named Bankers' Bank has also operated as Bankers Bank of Wisconsin (1984-1993), per FDIC structure-change records.
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