Baraboo State Bank
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Data as of · sourced from FFIEC call reports. How we update
Baraboo State Bank is an FDIC-insured commercial bank headquartered in Baraboo, WI, established in 1857 (FDIC certificate 12788), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $569.6M, up 5.7% from Q2 2025, the 57th largest of 153 banks headquartered in Wisconsin. Its CET1 capital ratio was 19.66% 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
- 12788
- Headquarters
- Baraboo, WI
- Established
- 1857
- Total assets, Q2 2026
- $569.6M
- Assets vs Q2 2025
- +5.7%
- CET1 ratio, Q2 2026
- 19.66%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 075901590
- Latest call report
- Q2 2026, FFIEC 051 · Baraboo State Bank call report
- Holding company
- BARABOO BANCORPORATION, INC., THE
- Asset rank in state
- 57th of 153 in Wisconsin
Baraboo State Bank, based in Baraboo, Wisconsin, reported $570 million in assets at June 30, 2026, up 5.7% from a year earlier. It carries problem assets equal to 0.0% of the capital and reserves that would absorb them, a small fraction of the median of 2.6% for the 2,660 banks with $100 million to $1 billion in assets. On the other hand, it holds commercial real estate loans worth 2.3 times its capital, about double the median of 1.2 times for banks its size.
Loans are outrunning deposits: over the year loans rose 11.0% and deposits rose 5.6%.
As of June 30, 2026, Baraboo State Bank reported a CET1 capital ratio of 19.66%, a return on assets of 1.16%, a nonperforming-loan ratio of 0.01% and a Texas ratio of 0.04%. The figures come from its call report filed with the FFIEC.
Baraboo State Bank ranks as the 57th 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 1.0% to $569.6M, loans rose 0.4% and deposits fell 1.3%. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 43.2% of total loans, ahead of 1-4 family residential loans at 19.8%. The FDIC Summary of Deposits lists 7 offices for it, in 5 cities in WI; its Baraboo 3 offices book 58% of its branch deposits. By the capital ratios in its Q2 2026 call report, Baraboo State Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 101 3rd Ave, Baraboo, WI 53913
- County
- Sauk
- Metro Area
- Baraboo, 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
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- July 1, 1857
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 95
- Domestic deposits
- $490.4M
- Allowance for credit losses
- $5.5M
- Net charge-offs (YTD)
- $5K
- Average total assets
- $568.2M
- Average total loans
- $302.2M
- Average interest-bearing deposits
- $385.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 12788
- Fed RSSD
- 24949
- Website
- http://www.baraboobank.com →
- Parent Holding Company
- BARABOO BANCORPORATION, INC., THE (RSSD 1209248)
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
Baraboo State Bank's total assets moved between a low of $486.5M (Q1 2024) and a high of $587.5M (Q4 2025) 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
$569.6M total assets against $538.9M; $503.7M total liabilities against $477.6M.
$296.8M net loans and leases against $267.0M; $490.4M total deposits against $464.5M.
$202.4M securities against $191.5M; $48.0M cash and balances due against $58.7M.
$7.0M total interest income against $6.7M; $2.2M total interest expense against $2.2M.
$4.8M net interest income against $4.4M.
$776K total noninterest income against $868K; $3.5M total noninterest expense against $3.1M.
$0 provision for credit losses against $0.
$1.7M net income against $1.7M.
1.16% return on assets against 1.26%; 3.56% net interest margin against 3.43%.
19.66% CET1 capital ratio against 18.95%; 11.70% tier 1 leverage ratio against 11.38%.
Inside the full Baraboo State 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.
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.
Baraboo State Bank rankings
Its closest position to the top of a national ranking is 359 of 2,134, for CET1 ratio; its furthest is 3,297 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.64% (Q4 2025) to 1.26% (Q2 2025) and its net interest margin ran from 3.16% (Q4 2024) to 3.56% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 19.66% | 1.16% | 0.01% | 0.04% | 3.56% |
| Q1 2026 | 18.91% | 1.23% | 0.02% | 0.09% | 3.41% |
| Q4 2025 | 18.41% | 0.64% | 0.02% | 0.09% | 3.31% |
| Q3 2025 | 19.01% | 0.98% | 0.02% | 0.09% | 3.48% |
| Q2 2025 | 18.95% | 1.26% | 0.02% | 0.10% | 3.43% |
| Q1 2025 | 19.17% | 1.02% | 0.02% | 0.10% | 3.18% |
| Q4 2024 | 18.66% | 0.70% | 0.02% | 0.10% | 3.16% |
| Q3 2024 | 18.77% | 1.22% | 0.03% | 0.10% | 3.33% |
Swipe the table sideways to see every column.
Branch Network
View all 7 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 |
|---|---|---|---|
| Baraboo State Bank (main office) | Baraboo , WI | 53913 | $285.5M |
| Reedsburg Branch | Reedsburg , WI | 53959 | $95.4M |
| Lake Delton Branch | Lake Delton , WI | 53940 | $56.6M |
| Portage Branch | Portage , WI | 53901 | $52.9M |
| West Baraboo Branch | West Baraboo , WI | 53913 | $0 |
| Paying and Receiving Station Branch | Baraboo , WI | 53913 | $0 |
| East Side Branch | Baraboo , WI | 53913 | $0 |
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 |
|---|---|---|---|
| March 7, 2009 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 7, 2009 | Structure Change | Acquired The State Bank of Viroqua Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 14, 2008 | Structure Change | Acquired Green Lake State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 13, 2008 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 14, 2005 | Structure Change | Acquired Northwoods State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 11, 2005 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 9, 2002 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 9, 2002 | Structure Change | Acquired State Bank of Wonewoc Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 12, 1974 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 12, 1974 | Structure Change | Acquired Farmers State Bank 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 10 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC); 3 against individuals associated with it
- January 9, 2013, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): The Baraboo National Bank
- Period: Most recent institution action January 9, 2013. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.2% of deposits in WI, rank 62 of 185 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 136 applications, 92 loans originated, $22.5M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $1.0M approved, $506K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2021 (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 Baraboo State Bank
What are Baraboo State Bank's total assets?
As of the Q2 2026 filing, Baraboo State Bank reported total assets of $569.6 million in its FFIEC call report.
Where is Baraboo State Bank headquartered?
It is headquartered in Baraboo, WI, United States.
When was Baraboo State Bank founded?
It was established in 1857, per the FDIC institution directory.
Is Baraboo State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #12788). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Baraboo State Bank?
Baraboo State Bank's primary federal regulator is the Federal Reserve.
What is Baraboo State Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 19.66% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Baraboo State Bank operate?
It operates 7 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Baraboo State Bank's Texas Ratio?
Its Texas Ratio is 0.04% 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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