Clare Bank, N.A.
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Data as of · sourced from FFIEC call reports. How we update
Clare Bank, N.A. is an FDIC-insured commercial bank headquartered in Platteville, WI, established in 1905 (FDIC certificate 1022), and it is supervised by the OCC. At Q2 2026 it reported total assets of $332.5M, up 3.6% from Q2 2025, the 90th largest of 153 banks headquartered in Wisconsin. Its CET1 capital ratio was 24.17% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 1022
- Headquarters
- Platteville, WI
- Established
- 1905
- Total assets, Q2 2026
- $332.5M
- Assets vs Q2 2025
- +3.6%
- CET1 ratio, Q2 2026
- 24.17%
- Domestic offices
- 8 FDIC institution directory, current count
- Routing number
- 075902052
- Latest call report
- Q2 2026, FFIEC 051 · Clare Bank, N.A. call report
- Holding company
- MONTFORT BANCORPORATION, INC.
- Asset rank in state
- 90th of 153 in Wisconsin
Problem loans are rising at Clare Bank, N.A.. The Platteville, Wisconsin bank had $332 million in assets at June 30, 2026, up 3.6% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.82% of loans from 0.37% a year earlier. It keeps 2.49 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). On the other hand, it holds common equity equal to 24.17% of its risk-weighted assets, higher than about three-quarters of banks its size (median 15.12%).
Earnings jumped: net income for the quarter was $935,000, 57% above the same quarter a year earlier. Over the same year, loans grew 10.7% and deposits grew 2.5%.
As of June 30, 2026, Clare Bank, N.A. reported a CET1 capital ratio of 24.17%, a return on assets of 1.08%, a nonperforming-loan ratio of 0.85% and a Texas ratio of 4.55%. The figures come from its call report filed with the FFIEC.
Of the 153 banks headquartered in Wisconsin, Clare Bank, N.A. is the 90th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 3.0% to $332.5M, loans rose 2.4% and deposits fell 3.8%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 37.7% of total loans, ahead of farmland and other real estate loans at 32.9%. Its 8 offices in the FDIC Summary of Deposits are in 8 cities in WI; its Platteville office books 34% of its branch deposits. On its Q2 2026 call report, Clare Bank, N.A. meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 345 W Pine St, Platteville, WI 53818
- County
- Grant
- Metro Area
- Platteville, WI
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- 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
- October 28, 1905
- Domestic offices
- 8 FDIC institution directory, current count
- Employees (FTE)
- 40
- Domestic deposits
- $276.0M
- Allowance for credit losses
- $861K
- Net charge-offs (YTD)
- -$12K
- Average total assets
- $345.5M
- Average total loans
- $173.7M
- Average interest-bearing deposits
- $223.3M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 1022
- Fed RSSD
- 988144
- Website
- www.clarebank.com →
- Parent Holding Company
- MONTFORT BANCORPORATION, INC. (RSSD 1205325)
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
Clare Bank, N.A.'s total assets moved between a low of $311.8M (Q3 2024) and a high of $349.3M (Q4 2025) from Q3 2023 to Q2 2026, and it earned a profit in 10 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$332.5M total assets against $321.0M; $301.4M total liabilities against $293.8M.
$176.2M net loans and leases against $159.2M; $276.0M total deposits against $269.2M.
$145.7M securities against $150.4M; $4.9M cash and balances due against $5.9M.
$3.4M total interest income against $3.0M; $1.3M total interest expense against $1.4M.
$2.1M net interest income against $1.6M.
$85K total noninterest income against $82K; $1.2M total noninterest expense against $1.1M.
$30K provision for credit losses against $12K.
$935K net income against $597K.
1.08% return on assets against 0.72%; 2.49% net interest margin against 2.04%.
24.17% CET1 capital ratio against 26.31%; 11.64% tier 1 leverage ratio against 11.78%.
Inside the full Clare Bank, N.A. 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.
Clare Bank, N.A. rankings
Its closest position to the top of a national ranking is 178 of 2,134, for CET1 ratio; its furthest is 2,320 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.15% (Q3 2024) to 1.08% (Q2 2026) and its net interest margin ran from 1.44% (Q3 2024) to 2.49% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 24.17% | 1.08% | 0.85% | 4.55% | 2.49% |
| Q1 2026 | — | 0.93% | 0.68% | 3.57% | 2.32% |
| Q4 2025 | 24.47% | 0.86% | 0.69% | 3.68% | 2.34% |
| Q3 2025 | — | 0.80% | 0.61% | 3.15% | 2.17% |
| Q2 2025 | 26.31% | 0.72% | 0.52% | 2.15% | 2.04% |
| Q1 2025 | — | 0.51% | 0.56% | 3.14% | 1.88% |
| Q4 2024 | 26.03% | 0.32% | 0.62% | 2.69% | 1.72% |
| Q3 2024 | — | 0.15% | 0.74% | 2.91% | 1.44% |
Swipe the table sideways to see every column.
Branch Network
View all 8 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 |
|---|---|---|---|
| Clare Bank, N.A. (main office) | Platteville , WI | 53818 | $93.4M |
| Shullsburg Main Branch | Shullsburg , WI | 53586 | $38.1M |
| Boscobel Main Branch | Boscobel , WI | 53805 | $30.5M |
| 107 W Nebraska Branch | Muscoda , WI | 53573 | $28.8M |
| 1290 4th Street Branch | Fennimore , WI | 53809 | $28.0M |
| Montfort Main Branch | Montfort , WI | 53569 | $27.8M |
| Bloomington Main Branch | Bloomington , WI | 53804 | $17.2M |
| Jamestown Branch | Jamestown Township , WI | 53807 | $12.2M |
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 |
|---|---|---|---|
| October 1, 1992 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 1992 | Structure Change | Acquired First Federal Savings and Loan Association of Platteville Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 30, 1990 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 30, 1990 | Structure Change | Acquired Farmers and Merchants 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 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- None against the institution on file; 8 against individuals associated with it
- Period: Most recent action November 3, 2016. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.1% of deposits in WI, rank 100 of 185 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $500K approved, $500K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- 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
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Frequently asked about Clare Bank, N.A.
What are Clare Bank, N.A.'s total assets?
As of the Q2 2026 filing, Clare Bank, N.A. reported total assets of $332.5 million in its FFIEC call report.
Where is Clare Bank, N.A. headquartered?
It is headquartered in Platteville, WI, United States.
When was Clare Bank, N.A. founded?
It was established in 1905, per the FDIC institution directory.
Is Clare Bank, N.A. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #1022). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Clare Bank, N.A.?
Clare Bank, N.A.'s primary federal regulator is the OCC.
What is Clare Bank, N.A.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 24.17% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Clare Bank, N.A. operate?
It operates 8 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Clare Bank, N.A.'s Texas Ratio?
Its Texas Ratio is 4.55% 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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