Ixonia Bank
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Data as of · sourced from FFIEC call reports. How we update
Ixonia Bank is an FDIC-insured commercial bank headquartered in Ixonia, WI, established in 1918 (FDIC certificate 12514), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.08B, up 22.2% from Q2 2025, the 26th largest of 153 banks headquartered in Wisconsin. Its CET1 capital ratio was 12.23% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 12514
- Headquarters
- Ixonia, WI
- Established
- 1918
- Total assets, Q2 2026
- $1.08B
- Assets vs Q2 2025
- +22.2%
- CET1 ratio, Q2 2026
- 12.23%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 075909408
- Latest call report
- Q2 2026, FFIEC 051 · Ixonia Bank call report
- Holding company
- IXONIA BANCSHARES, INC.
- Asset rank in state
- 26th of 153 in Wisconsin
Ixonia Bank spends more to run itself than most banks of its size. The Ixonia, Wisconsin bank had $1.1 billion in assets at June 30, 2026, up 22.2% from a year earlier. It spends about 86 cents to bring in each dollar of revenue, higher than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 58 cents). It also grew its loan book 19.4% over the year, about triple the median of 5.9% for banks its size.
Paper losses on its bond portfolio are shrinking: unrealized losses of $4.2 million equal 4% of Tier 1 capital, down from 10% a year earlier. Funding is the softer spot: it pays an average of 2.78% on its deposits and borrowings, higher than about three-quarters of banks its size (median 2.01%).
As of June 30, 2026, Ixonia Bank reported a CET1 capital ratio of 12.23%, a return on assets of 1.68%, a nonperforming-loan ratio of 0.25% and a Texas ratio of 1.96%. The figures come from its call report filed with the FFIEC.
Ixonia Bank ranks as the 26th largest of the 153 banks based in Wisconsin, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 12.1% to $1.08B, loans rose 6.6% and deposits rose 12.8%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 43.2% of total loans, ahead of commercial and industrial loans at 22.6%. Its 7 offices in the FDIC Summary of Deposits are in 5 cities in WI; its Ixonia office books 58% of its branch deposits. On its Q2 2026 call report, Ixonia Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- W 1046 Marietta Ave, Ixonia, WI 53036
- County
- Jefferson
- Metro Area
- Watertown-Fort Atkinson, 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
- January 1, 1918
- Former names
- ISB Community Bank (2003-2013)
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 741
- Domestic deposits
- $679.8M
- Allowance for credit losses
- $8.6M
- Net charge-offs (YTD)
- $155K
- Average total assets
- $977.2M
- Average total loans
- $795.3M
- Average interest-bearing deposits
- $521.8M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 12514
- Fed RSSD
- 529341
- SEC CIK
- 2003911 → filed by IXONIA BANCSHARES, INC.
- Website
- www.ixoniabank.com →
- Parent Holding Company
- IXONIA BANCSHARES, INC. (RSSD 1247295)
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
Ixonia Bank's total assets moved between a low of $707.3M (Q4 2023) and a high of $1.08B (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.08B total assets against $879.9M; $980.5M total liabilities against $798.3M.
$812.0M net loans and leases against $679.8M; $679.8M total deposits against $574.2M.
$78.3M securities against $102.4M; $128.8M cash and balances due against $38.2M.
$4.9M total interest income against $22.5M; $6.0M total interest expense against $5.3M.
-$1.1M net interest income against $17.2M.
$44.1M total noninterest income against $21.9M; $37.2M total noninterest expense against $33.1M.
$426K provision for credit losses against $466K.
$4.1M net income against $4.2M.
1.68% return on assets against 1.98%; -0.47% net interest margin against 8.85%.
12.23% CET1 capital ratio against 12.66%; 9.95% tier 1 leverage ratio against 10.33%.
Inside the full Ixonia 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.
Ixonia Bank rankings
Its closest position to the top of a national ranking is 971 of 4,196, for total assets; its furthest is 3,404 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.80% (Q1 2026) to 1.98% (Q2 2025) and its net interest margin ran from -0.47% (Q2 2026) to 8.85% (Q2 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.23% | 1.68% | 0.25% | 1.96% | -0.47% |
| Q1 2026 | 12.17% | 0.80% | 0.44% | 3.40% | 7.22% |
| Q4 2025 | 12.40% | 1.04% | 0.55% | 4.27% | 7.64% |
| Q3 2025 | 12.45% | 1.90% | 0.00% | 0.33% | 8.18% |
| Q2 2025 | 12.66% | 1.98% | 0.08% | 0.93% | 8.85% |
| Q1 2025 | 12.93% | 1.14% | 0.20% | 1.84% | 7.54% |
| Q4 2024 | 13.04% | 1.27% | 0.21% | 1.92% | 8.82% |
| Q3 2024 | 13.17% | 1.56% | 0.17% | 1.23% | 8.45% |
Swipe the table sideways to see every column.
Branch Network
View all 7 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 |
|---|---|---|---|
| Ixonia Bank (main office) | Ixonia , WI | 53036 | $391.7M |
| Watertown Branch | Watertown , WI | 53094 | $78.3M |
| Church Street Branch | Watertown , WI | 53094 | $63.9M |
| Ixonia Bank-Lakes Plaza Branch | Oconomowoc , WI | 53066 | $51.3M |
| Dousman Branch | Dousman , WI | 53118 | $48.2M |
| Oconomowoc Branch | Oconomowoc , WI | 53066 | $33.8M |
| Ixonia Bank-Milwaukee Branch | Milwaukee , WI | 53202 | $12.7M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.3% of deposits in WI, rank 45 of 185 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 12,008 applications, 8,425 loans originated, $2.54B originated, across 51 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 6 loans, $2.9M approved, $491K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (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 Ixonia Bank
What are Ixonia Bank's total assets?
As of the Q2 2026 filing, Ixonia Bank reported total assets of $1.08 billion in its FFIEC call report.
Where is Ixonia Bank headquartered?
It is headquartered in Ixonia, WI, United States.
When was Ixonia Bank founded?
It was established in 1918, per the FDIC institution directory.
Is Ixonia Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #12514). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Ixonia Bank?
Ixonia Bank's primary federal regulator is the FDIC.
What is Ixonia Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.23% in its Q2 2026 call report, above regulatory requirements.
How many branches does Ixonia Bank operate?
It operates 7 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Ixonia Bank's Texas Ratio?
Its Texas Ratio is 1.96% 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 Ixonia Bank previously called?
The charter now named Ixonia Bank has also operated as ISB Community Bank (2003-2013), per FDIC structure-change records.
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