DMB Community Bank
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Data as of · sourced from FFIEC call reports. How we update
DMB Community Bank is an FDIC-insured commercial bank headquartered in Madison, WI, established in 1922 (FDIC certificate 14769), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $835.0M, up 2.5% from Q2 2025, the 37th largest of 153 banks headquartered in Wisconsin. Its CET1 capital ratio was 16.15% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 14769
- Headquarters
- Madison, WI
- Established
- 1922
- Total assets, Q2 2026
- $835.0M
- Assets vs Q2 2025
- +2.5%
- CET1 ratio, Q2 2026
- 16.15%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 075910484
- Holding company
- DMB CORPORATION, INC.
- Asset rank in state
- 37th of 153 in Wisconsin
DMB Community Bank, based in Madison, Wisconsin, reported $835 million in assets at June 30, 2026, up 2.5% from a year earlier. It keeps 1.93 cents of net interest income on every dollar of earning assets, about half the median of 3.95 cents for the 2,660 banks with $100 million to $1 billion in assets. It also pays an average of 3.10% on its deposits and borrowings, higher than about 9 in 10 banks its size (median 1.80%).
Earnings jumped: net income for the quarter was $1.2 million, 100% above the same quarter a year earlier. Concentration is the risk to watch: it holds commercial real estate loans worth 5.4 times its capital, 4.5 times the median of 1.2 times for banks its size.
As of June 30, 2026, DMB Community Bank reported a CET1 capital ratio of 16.15%, a return on assets of 0.58%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, DMB Community Bank is the 37th largest of the 153 banks headquartered in Wisconsin. Between Q1 2026 and Q2 2026, its total assets rose 0.5% to $835.0M, loans fell 0.4% and deposits rose 0.6%. Its loan book on June 30, 2026 was led by multifamily loans, at 67.1% of total loans, followed by 1-4 family residential loans at 15.0%. The FDIC Summary of Deposits lists 2 offices for it, in Deforest, WI and Madison, WI; its Deforest office books 96% of its branch deposits. By the capital ratios in its Q2 2026 call report, DMB Community Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 10 Terrace Ct, Madison, WI 53718
- County
- Dane
- Metro Area
- Madison, 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
- June 29, 1922
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 37
- Domestic deposits
- $583.6M
- Allowance for credit losses
- $7.7M
- Net charge-offs (YTD)
- -$3K
- Average total assets
- $839.7M
- Average total loans
- $659.4M
- Average interest-bearing deposits
- $525.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 14769
- Fed RSSD
- 56548
- Website
- www.deforestbank.com →
- Parent Holding Company
- DMB CORPORATION, INC. (RSSD 1135628)
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, DMB Community Bank's total assets ranged from $791.7M (Q4 2024) to $835.0M (Q2 2026), and it earned a profit in 8 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$835.0M total assets against $814.3M; $746.3M total liabilities against $729.0M.
$656.2M net loans and leases against $623.9M; $583.6M total deposits against $566.4M.
$134.3M securities against $107.7M; $5.2M cash and balances due against $44.7M.
$9.6M total interest income against $8.7M; $5.7M total interest expense against $5.9M.
$3.9M net interest income against $2.8M.
$342K total noninterest income against $346K; $2.8M total noninterest expense against $2.5M.
$0 provision for credit losses against $0.
$1.2M net income against $606K.
0.58% return on assets against 0.30%; 1.93% net interest margin against 1.43%.
16.15% CET1 capital ratio against 16.99%; 10.98% tier 1 leverage ratio against 11.01%.
Inside the full DMB Community 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.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
DMB Community Bank rankings
Its closest position to the top of a national ranking is 1,203 of 4,196, for total assets; its furthest is 3,376 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -0.01% (Q3 2024) to 0.58% (Q2 2026) and its net interest margin ran from 0.99% (Q3 2024) to 1.93% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.15% | 0.58% | 0.00% | 0.00% | 1.93% |
| Q1 2026 | 15.91% | 0.54% | 0.00% | 0.00% | 1.89% |
| Q4 2025 | 16.03% | 0.56% | 0.00% | 0.00% | 1.81% |
| Q3 2025 | 16.68% | 0.37% | 0.00% | 0.00% | 1.56% |
| Q2 2025 | 16.99% | 0.30% | 0.00% | 0.00% | 1.43% |
| Q1 2025 | 16.35% | 0.16% | 0.00% | 0.00% | 1.28% |
| Q4 2024 | 16.10% | 0.00% | 0.00% | 0.00% | 1.30% |
| Q3 2024 | 15.78% | -0.01% | 0.00% | 0.00% | 0.99% |
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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 |
|---|---|---|---|
| Deforest Branch | Deforest , WI | 53532 | $559.0M |
| DMB Community Bank (main office) | Madison , WI | 53718 | $24.6M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.3% of deposits in WI, rank 55 of 185 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 144 applications, 101 loans originated, $168.8M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $60K approved, $60K average. 100.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2008 (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 DMB Community Bank
What are DMB Community Bank's total assets?
As of the Q2 2026 filing, DMB Community Bank reported total assets of $835.0 million in its FFIEC call report.
Where is DMB Community Bank headquartered?
It is headquartered in Madison, WI, United States.
When was DMB Community Bank founded?
It was established in 1922, per the FDIC institution directory.
Is DMB Community Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #14769). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates DMB Community Bank?
DMB Community Bank's primary federal regulator is the FDIC.
What is DMB Community Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 16.15% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does DMB Community Bank 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 DMB Community Bank's Texas Ratio?
Its Texas Ratio is 0.00% 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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