East Wisconsin Savings Bank
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Data as of · sourced from FFIEC call reports. How we update
East Wisconsin Savings Bank is an FDIC-insured savings bank headquartered in Kaukauna, WI, established in 1887 (FDIC certificate 30313), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $265.8M, down 6.6% from Q2 2025, the 108th largest of 153 banks headquartered in Wisconsin. Its CET1 capital ratio was 11.80% at Q2 2026, above regulatory requirements.
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 30313
- Headquarters
- Kaukauna, WI
- Established
- 1887
- Total assets, Q2 2026
- $265.8M
- Assets vs Q2 2025
- -6.6%
- CET1 ratio, Q2 2026
- 11.80%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 275971029
- Latest call report
- Q2 2026, FFIEC 051 · East Wisconsin Savings Bank call report
- Holding company
- EWSB BANCORP, INC.
- Asset rank in state
- 108th of 153 in Wisconsin
East Wisconsin Savings Bank spends more to run itself than most banks of its size. Its balance sheet stood at $266 million at June 30, 2026, down 6.6% from a year earlier; it is based in Kaukauna, Wisconsin. It loses about $0.38 a year on every $100 of assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median $1.28). It also spends about 111 cents to bring in each dollar of revenue, about double the median of 61 cents for banks its size.
It lost $253,000 in the quarter. Over the same year, loans shrank 5.3% and deposits grew 1.1%. Its margin is thin by comparison: it keeps 1.92 cents of net interest income on every dollar of earning assets, about half the median of 3.95 cents for banks its size.
As of June 30, 2026, East Wisconsin Savings Bank reported a CET1 capital ratio of 11.80%, a return on assets of -0.38%, a nonperforming-loan ratio of 0.06% and a Texas ratio of 0.76%. The figures come from its call report filed with the FFIEC.
East Wisconsin Savings Bank ranks as the 108th largest of the 153 banks based in Wisconsin, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 1.1% to $265.8M, loans rose 0.5% and deposits rose 2.9%. 1-4 family residential loans made up 72.4% of its total loans on June 30, 2026, its largest category; next came other consumer loans at 16.1%. The FDIC Summary of Deposits lists 4 offices for it, in Kaukauna, WI, Appleton, WI and Kimberly, WI; its Kaukauna 2 offices book 66% of its branch deposits. On its Q2 2026 call report, East Wisconsin Savings Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 109 W 2nd St, Kaukauna, WI 54130
- County
- Outagamie
- Metro Area
- Appleton, WI
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- —
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1887
- Former names
- East Wisconsin Savings Bank, S.A. (2011-2016)
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 41
- Domestic deposits
- $226.2M
- Allowance for credit losses
- $1.2M
- Net charge-offs (YTD)
- $52K
- Average total assets
- $266.6M
- Average total loans
- $185.7M
- Average interest-bearing deposits
- $224.7M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 30313
- Fed RSSD
- 35879
- SEC CIK
- 2013792 → filed by EWSB BANCORP, INC.
- Website
- WWW.EASTWIS.BANK →
- Parent Holding Company
- EWSB BANCORP, INC. (RSSD 5930559) · EWSB
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Charles D Schmalz | CEO | President & CEO |
| Scott J Liske | CRO | CRO |
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
Over the 12 quarters to Q2 2026, East Wisconsin Savings Bank's total assets ran between $262.0M (Q3 2023) and $284.5M (Q2 2025), and it earned a profit in 1 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$265.8M total assets against $284.5M; $251.6M total liabilities against $269.9M.
$185.9M net loans and leases against $196.3M; $226.2M total deposits against $223.8M.
$52.9M securities against $61.4M; $10.7M cash and balances due against $7.2M.
$2.7M total interest income against $2.8M; $1.4M total interest expense against $1.6M.
$1.2M net interest income against $1.1M.
$427K total noninterest income against $369K; $1.8M total noninterest expense against $1.8M.
$49K provision for credit losses against $16K.
-$253K net income against -$248K.
-0.38% return on assets against -0.35%; 1.92% net interest margin against 1.69%.
11.80% CET1 capital ratio against 10.61%; 7.13% tier 1 leverage ratio against 6.35%.
Inside the full East Wisconsin Savings Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeEast Wisconsin Savings Bank rankings
Its closest position to the top of a national ranking is 2,627 of 4,196, for total assets; its furthest is 3,577 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -4.63% (Q3 2025) to 0.09% (Q4 2025) and its net interest margin ran from 1.27% (Q3 2024) to 1.93% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.80% | -0.38% | 0.06% | 0.76% | 1.92% |
| Q1 2026 | 10.70% | -0.39% | 0.01% | 0.20% | 1.84% |
| Q4 2025 | 10.78% | 0.09% | 0.16% | 2.24% | 1.93% |
| Q3 2025 | 10.37% | -4.63% | 0.01% | 0.20% | 1.79% |
| Q2 2025 | 10.61% | -0.35% | 0.03% | 0.39% | 1.69% |
| Q1 2025 | 11.04% | -0.69% | 0.01% | 0.07% | 1.46% |
| Q4 2024 | 11.75% | -0.74% | 0.01% | 0.08% | 1.43% |
| Q3 2024 | 12.69% | -0.49% | 0.01% | 0.16% | 1.27% |
Swipe the table sideways to see every column.
Branch Network
View all 4 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 |
|---|---|---|---|
| East Wisconsin Savings Bank (main office) | Kaukauna , WI | 54130 | $112.5M |
| 501 E Wisconsin Ave Branch | Appleton , WI | 54911 | $53.2M |
| N3947 Columbia Ave Branch | Kaukauna , WI | 54130 | $36.4M |
| 220 W Kimberly Ave Branch | Kimberly , WI | 54136 | $24.1M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (SEC Form 8-K)
- July 8, 2024, SEC Form 8-K: 8-K Item 8.01: memorandum of understanding
- Period: Most recent institution action July 8, 2024. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.1% of deposits in WI, rank 114 of 185 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 266 applications, 196 loans originated, $62.8M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Not on file
- 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 East Wisconsin Savings Bank
What are East Wisconsin Savings Bank's total assets?
As of the Q2 2026 filing, East Wisconsin Savings Bank reported total assets of $265.8 million in its FFIEC call report.
Where is East Wisconsin Savings Bank headquartered?
It is headquartered in Kaukauna, WI, United States.
When was East Wisconsin Savings Bank founded?
It was established in 1887, per the FDIC institution directory.
Is East Wisconsin Savings Bank FDIC-insured?
Yes. It is an FDIC-insured savings bank (FDIC Certificate #30313). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates East Wisconsin Savings Bank?
East Wisconsin Savings Bank's primary federal regulator is the FDIC.
What is East Wisconsin Savings Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.80% in its Q2 2026 call report, above regulatory requirements.
How many branches does East Wisconsin Savings Bank operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is East Wisconsin Savings Bank's Texas Ratio?
Its Texas Ratio is 0.76% 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 East Wisconsin Savings Bank previously called?
The charter now named East Wisconsin Savings Bank has also operated as East Wisconsin Savings Bank, S.A. (2011-2016), per FDIC structure-change records.
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