Compass Bank
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Data as of · sourced from FFIEC call reports. How we update
Compass Bank is an FDIC-insured commercial bank headquartered in Cadott, WI, established in 1902 (FDIC certificate 2467), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $237.6M, up 1.8% from Q2 2025, the 113th largest of 153 banks headquartered in Wisconsin. Its CET1 capital ratio was 11.77% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 2467
- Headquarters
- Cadott, WI
- Established
- 1902
- Total assets, Q2 2026
- $237.6M
- Assets vs Q2 2025
- +1.8%
- CET1 ratio, Q2 2026
- 11.77%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 091803889
- Latest call report
- Q2 2026, FFIEC 051 · Compass Bank call report
- Holding company
- CITIZENS BANCORP, INC.
- Asset rank in state
- 113th of 153 in Wisconsin
Problem loans are rising at Compass Bank. Its balance sheet stood at $238 million at June 30, 2026, up 1.8% from a year earlier; it is based in Cadott, Wisconsin. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.99% of loans from 0.45% a year earlier. It funds 8.77% of its assets with Tier 1 capital, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 10.99%). It also carries problem assets equal to 10.8% of the capital and reserves that would absorb them, 4.1 times the median of 2.6% for banks its size.
Earnings jumped: net income for the quarter was $777,000, 67% above the same quarter a year earlier.
As of June 30, 2026, Compass Bank reported a CET1 capital ratio of 11.77%, a return on assets of 1.29%, a nonperforming-loan ratio of 0.99% and a Texas ratio of 10.79%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Compass Bank is the 113th largest of the 153 banks headquartered in Wisconsin. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 2.1% to $237.6M, loans rose 2.3% and deposits rose 1.1%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 39.5% of total loans, ahead of farmland and other real estate loans at 12.8%. Its 6 offices in the FDIC Summary of Deposits are in 5 cities in WI; its Cadott 2 offices book 48% of its branch deposits. By the capital ratios in its Q2 2026 call report, Compass Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 304 N Main St, Cadott, WI 54727
- County
- Chippewa
- Metro Area
- Eau Claire, 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 9, Minneapolis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- August 20, 1902
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 43
- Domestic deposits
- $196.8M
- Allowance for credit losses
- $3.2M
- Net charge-offs (YTD)
- -$2K
- Average total assets
- $240.0M
- Average total loans
- $198.7M
- Average interest-bearing deposits
- $152.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 2467
- Fed RSSD
- 149150
- Website
- csbankcadott.com →
- Parent Holding Company
- CITIZENS BANCORP, INC. (RSSD 3559862)
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
From Q3 2023 to Q2 2026, Compass Bank's total assets ranged from $221.9M (Q1 2024) to $254.1M (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
$237.6M total assets against $233.5M; $216.4M total liabilities against $214.4M.
$197.7M net loans and leases against $190.5M; $196.8M total deposits against $188.5M.
$24.4M securities against $31.1M; $5.3M cash and balances due against $4.1M.
$3.6M total interest income against $3.3M; $959K total interest expense against $1.0M.
$2.6M net interest income against $2.3M.
$244K total noninterest income against $307K; $1.8M total noninterest expense against $1.9M.
$90K provision for credit losses against $90K.
$777K net income against $466K.
1.29% return on assets against 0.80%; 4.47% net interest margin against 4.04%.
11.77% CET1 capital ratio against 11.19%; 8.77% tier 1 leverage ratio against 8.31%.
Inside the full Compass 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.
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.
Compass Bank rankings
Its closest position to the top of a national ranking is 571 of 3,640, for Texas Ratio; its furthest is 1,787 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.63% (Q3 2024) to 1.29% (Q2 2026) and its net interest margin ran from 3.50% (Q3 2024) to 4.47% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.77% | 1.29% | 0.99% | 10.79% | 4.47% |
| Q1 2026 | 11.59% | 1.14% | 1.08% | 10.45% | 4.10% |
| Q4 2025 | 10.98% | 0.88% | 0.44% | 4.09% | 4.40% |
| Q3 2025 | 11.14% | 0.90% | 1.23% | 11.65% | 4.09% |
| Q2 2025 | 11.19% | 0.80% | 0.45% | 4.40% | 4.04% |
| Q1 2025 | 11.15% | 0.79% | 0.40% | 3.91% | 3.93% |
| Q4 2024 | 10.70% | 0.85% | 0.51% | 5.14% | 3.58% |
| Q3 2024 | 10.53% | 0.63% | 0.55% | 5.52% | 3.50% |
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 |
|---|---|---|---|
| Southridge Avenue Branch | Cadott , WI | 54727 | $93.6M |
| Lake Wissota Branch | Chippewa Falls , WI | 54729 | $50.1M |
| Prentice Branch | Prentice , WI | 54556 | $27.1M |
| Stratford Branch | Stratford , WI | 54484 | $14.3M |
| Cornell Branch | Cornell , WI | 54732 | $11.8M |
| Citizens State Bank | Cadott , WI | 54727 | $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 |
|---|---|---|---|
| May 8, 2023 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 6, 2023 | Structure Change | Acquired New Citizens State Bank - Interim 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 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- None against the institution on file; 22 against individuals associated with it
- Period: Most recent action April 30, 2019. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in WI, rank 124 of 185 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $217K approved, $108K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2018 (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 Compass Bank
What are Compass Bank's total assets?
As of the Q2 2026 filing, Compass Bank reported total assets of $237.6 million in its FFIEC call report.
Where is Compass Bank headquartered?
It is headquartered in Cadott, WI, United States.
When was Compass Bank founded?
It was established in 1902, per the FDIC institution directory.
Is Compass Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #2467). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Compass Bank?
Compass Bank's primary federal regulator is the FDIC.
What is Compass Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.77% in its Q2 2026 call report, above regulatory requirements.
How many branches does Compass Bank 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 Compass Bank's Texas Ratio?
Its Texas Ratio is 10.79% 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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