Fox Valley Savings Bank
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Data as of · sourced from FFIEC call reports. How we update
Fox Valley Savings Bank is an FDIC-insured savings bank headquartered in Fond du Lac, WI, established in 1934 (FDIC certificate 29188), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $387.3M, up 2.9% from Q2 2025, the 79th largest of 153 banks headquartered in Wisconsin. It reports no CET1 ratio; its Tier 1 leverage ratio was 15.44% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 29188
- Headquarters
- Fond du Lac, WI
- Established
- 1934
- Total assets, Q2 2026
- $387.3M
- Assets vs Q2 2025
- +2.9%
- Tier 1 leverage ratio, Q2 2026
- 15.44%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 275970130
- Latest call report
- Q2 2026, FFIEC 051 · Fox Valley Savings Bank call report
- Holding company
- FVSB BANCORP, INC.
- Asset rank in state
- 79th of 153 in Wisconsin
Fox Valley Savings Bank spends more to run itself than most banks of its size. Its balance sheet stood at $387 million at June 30, 2026, up 2.9% from a year earlier; it is based in Fond Du Lac, Wisconsin. It earns about $0.32 a year on every $100 of assets, a small fraction of the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 89 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 61 cents).
Loans and deposits moved in opposite directions: over the year loans rose 11.4% and deposits fell 1.1%. Paper losses on its bond portfolio are shrinking: unrealized losses of $10 million equal 17% of Tier 1 capital, down from 23% a year earlier. Its margin is thin by comparison: it keeps 2.80 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 banks its size (median 3.95 cents).
As of June 30, 2026, Fox Valley Savings Bank reported a return on assets of 0.32%, a nonperforming-loan ratio of 0.33% and a Texas ratio of 1.52%. The figures come from its call report filed with the FFIEC.
Fox Valley Savings Bank ranks as the 79th largest of the 153 banks based in Wisconsin, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 0.9% to $387.3M, loans rose 4.6% and deposits fell 0.9%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 50.6% of total loans, followed by non-owner-occupied commercial real estate loans at 23.0%. Its 3 offices in the FDIC Summary of Deposits are in Fond Du Lac, WI, Waupun, WI and Oshkosh, WI; its Fond Du Lac office books 65% of its branch deposits. Judged on its Q2 2026 call report, Fox Valley Savings Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 51 E 1st St, Fond du Lac, WI 54935
- County
- Fond Du Lac
- Metro Area
- Fond du Lac, 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
- October 1, 1934
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 55
- Domestic deposits
- $301.3M
- Allowance for credit losses
- $2.7M
- Net charge-offs (YTD)
- $5K
- Average total assets
- $391.9M
- Average total loans
- $254.2M
- Average interest-bearing deposits
- $281.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 29188
- Fed RSSD
- 835770
- Website
- www.fvsbank.com →
- Parent Holding Company
- FVSB BANCORP, INC. (RSSD 5754465)
- Ultimate Parent
- FVSB MUTUAL BANCORP, MHC (RSSD 5754205)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, Fox Valley Savings Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Fox Valley Savings Bank's total assets ran between $367.6M (Q1 2024) and $388.4M (Q4 2025), and it earned a profit in 6 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$387.3M total assets against $376.5M; $333.3M total liabilities against $326.0M.
$258.0M net loans and leases against $231.3M; $301.3M total deposits against $304.6M.
$91.9M securities against $106.6M; $5.1M cash and balances due against $6.6M.
$3.9M total interest income against $3.5M; $1.5M total interest expense against $1.6M.
$2.4M net interest income against $2.0M.
$622K total noninterest income against $512K; $2.8M total noninterest expense against $2.5M.
$0 provision for credit losses against $0.
$310K net income against $77K.
0.32% return on assets against 0.08%; 2.80% net interest margin against 2.19%.
15.44% tier 1 leverage ratio against 16.14%.
Inside the full Fox Valley Savings Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFox Valley Savings Bank rankings
Its closest position to the top of a national ranking is 2,097 of 4,196, for total assets; its furthest is 3,462 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -0.10% (Q4 2024) to 0.32% (Q2 2026) and its net interest margin ran from 1.89% (Q3 2024) to 2.80% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.44% | 0.32% | 0.33% | 1.52% | 2.80% |
| Q1 2026 | 15.34% | 0.03% | 0.33% | 1.46% | 2.51% |
| Q4 2025 | 15.70% | 0.25% | 0.30% | 1.31% | 2.69% |
| Q3 2025 | 15.96% | 0.22% | 0.33% | 1.45% | 2.26% |
| Q2 2025 | 16.14% | 0.08% | 0.35% | 1.54% | 2.19% |
| Q1 2025 | 16.05% | -0.02% | 0.41% | 2.05% | 2.05% |
| Q4 2024 | 16.14% | -0.10% | 0.40% | 1.67% | 2.01% |
| Q3 2024 | 16.37% | -0.07% | 0.38% | 1.53% | 1.89% |
Swipe the table sideways to see every column.
Branch Network
View all 3 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 |
|---|---|---|---|
| Fox Valley Savings Bank (main office) | Fond Du Lac , WI | 54935 | $194.4M |
| 101 S Madison St Branch | Waupun , WI | 53963 | $69.3M |
| 1700 West 20th Avenue Branch | Oshkosh , WI | 54902 | $37.7M |
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 |
|---|---|---|---|
| April 30, 1976 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 1 event.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC (former OTS))
- March 8, 2010, OCC (former OTS): Civil Money Penalty: Fox Valley Savings Bank
- Period: Most recent institution action March 8, 2010. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.1% of deposits in WI, rank 92 of 185 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 181 applications, 156 loans originated, $38.4M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $924K approved, $924K average. 100.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2019 (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 Fox Valley Savings Bank
What are Fox Valley Savings Bank's total assets?
As of the Q2 2026 filing, Fox Valley Savings Bank reported total assets of $387.3 million in its FFIEC call report.
Where is Fox Valley Savings Bank headquartered?
It is headquartered in Fond du Lac, WI, United States.
When was Fox Valley Savings Bank founded?
It was established in 1934, per the FDIC institution directory.
Is Fox Valley Savings Bank FDIC-insured?
Yes. It is an FDIC-insured savings bank (FDIC Certificate #29188). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Fox Valley Savings Bank?
Fox Valley Savings Bank's primary federal regulator is the FDIC.
How many branches does Fox Valley Savings Bank operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Fox Valley Savings Bank's Texas Ratio?
Its Texas Ratio is 1.52% 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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