John Deere Financial, F.S.B.
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Data as of · sourced from FFIEC call reports. How we update
John Deere Financial, F.S.B. is an FDIC-insured savings institution headquartered in Middleton, WI, established in 2000 (FDIC certificate 35237), and it is supervised by the OCC. At Q2 2026 it reported total assets of $4.93B, up 8.7% from Q2 2025, the 5th largest of 153 banks headquartered in Wisconsin. It reports no CET1 ratio; its Tier 1 leverage ratio was 19.36% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Savings institution
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 35237
- Headquarters
- Middleton, WI
- Established
- 2000
- Total assets, Q2 2026
- $4.93B
- Assets vs Q2 2025
- +8.7%
- Tier 1 leverage ratio, Q2 2026
- 19.36%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 075972228
- Holding company
- JOHN DEERE CAPITAL CORPORATION
- Asset rank in state
- 5th of 153 in Wisconsin
John Deere Financial, F.S.B. runs leaner than most banks of its size. The Middleton, Wisconsin bank had $4.9 billion in assets at June 30, 2026, up 8.7% from a year earlier. It spends about 23 cents to bring in each dollar of revenue, about a third the median of 58 cents for the 895 banks with $1 billion to $10 billion in assets. It also keeps 6.05 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 banks its size (median 3.71 cents).
Loans are outrunning deposits: over the year loans rose 8.5% and deposits rose 2.4%. Funding is the softer spot: it pays an average of 4.53% on its deposits and borrowings, about double the median of 2.01% for banks its size.
As of June 30, 2026, John Deere Financial, F.S.B. reported a return on assets of 1.47%, a nonperforming-loan ratio of 0.27% and a Texas ratio of 1.50%. The figures come from its call report filed with the FFIEC.
John Deere Financial, F.S.B. ranks as the 5th largest of the 153 banks based in Wisconsin, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 20.2% to $4.93B, loans rose 21.3% and deposits rose 14.9%. Its loan book on June 30, 2026 was led by agricultural production loans, at 84.2% of total loans, followed by credit card loans at 11.7%. The FDIC Summary of Deposits lists a single office for it, in Middleton, WI. On its Q2 2026 call report, John Deere Financial, F.S.B. meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 8383 Greenway Blvd, Middleton, WI 53562
- County
- Dane
- Metro Area
- Madison, WI
- Charter
- Federal savings bank, federal charter, OCC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- —
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- December 24, 2000
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 87
- Domestic deposits
- $1.56B
- Allowance for credit losses
- $6.9M
- Net charge-offs (YTD)
- $48.5M
- Average total assets
- $4.58B
- Average total loans
- $4.54B
- Average interest-bearing deposits
- $1.47B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- December 24, 2000
- FDIC Cert
- 35237
- Fed RSSD
- 2992547
- SEC CIK
- 1168610 → filed by JOHN DEERE CAPITAL CORPORATION
- Website
- www.deere.com →
- Parent Holding Company
- JOHN DEERE CAPITAL CORPORATION (RSSD 3843075)
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, John Deere Financial, F.S.B. reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
John Deere Financial, F.S.B.'s total assets moved between a low of $3.40B (Q4 2023) and a high of $4.93B (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
$4.93B total assets against $4.54B; $4.05B total liabilities against $3.76B.
$4.91B net loans and leases against $4.52B; $1.56B total deposits against $1.53B.
$0 securities against $0; $664K cash and balances due against $670K.
$110.5M total interest income against $104.9M; $41.7M total interest expense against $41.6M.
$68.8M net interest income against $63.2M.
$20.8M total noninterest income against $20.8M; $20.8M total noninterest expense against $20.4M.
$46.6M provision for credit losses against $74.2M.
$16.9M net income against -$8.8M.
1.47% return on assets against -0.84%; 6.05% net interest margin against 6.07%.
19.36% tier 1 leverage ratio against 18.65%.
Inside the full John Deere Financial, F.S.B. 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.
Over 70% of deposits sit above the $250K FDIC insurance threshold. This is the depositor-concentration profile that triggered Silicon Valley Bank's March 2023 deposit run. BankRegReports band; the $250K limit is statutory but this risk threshold is ours (post-SVB).
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.
John Deere Financial, F.S.B. rankings
Its closest position to the top of a national ranking is 1 of 980, for uninsured deposits; its furthest is 2,471 of 3,640, for Texas Ratio.
Metric pages for John Deere Financial, F.S.B.: Uninsured deposits, Efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -0.84% (Q2 2025) to 5.73% (Q3 2025) and its net interest margin ran from 6.04% (Q3 2025) to 7.12% (Q4 2024).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 19.36% | 1.47% | 0.27% | 1.50% | 6.05% |
| Q1 2026 | 24.63% | 5.40% | 0.92% | 4.25% | 6.52% |
| Q4 2025 | 19.04% | 4.89% | 0.37% | 1.52% | 6.87% |
| Q3 2025 | 16.26% | 5.73% | 0.29% | 1.77% | 6.04% |
| Q2 2025 | 18.65% | -0.84% | 0.29% | 1.66% | 6.07% |
| Q1 2025 | 23.37% | 5.05% | 1.33% | 6.26% | 7.08% |
| Q4 2024 | 19.59% | 4.42% | 0.43% | 1.77% | 7.12% |
| Q3 2024 | 17.35% | 5.58% | 0.30% | 1.76% | 6.75% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 |
|---|---|---|---|
| John Deere Financial, F.S.B. (main office) | Middleton , WI | 53562 | $1.56B |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.8% of deposits in WI, rank 19 of 185 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 John Deere Financial, F.S.B.
What are John Deere Financial, F.S.B.'s total assets?
As of the Q2 2026 filing, John Deere Financial, F.S.B. reported total assets of $4.93 billion in its FFIEC call report.
Where is John Deere Financial, F.S.B. headquartered?
It is headquartered in Middleton, WI, United States.
When was John Deere Financial, F.S.B. founded?
It was established in 2000, per the FDIC institution directory.
Is John Deere Financial, F.S.B. FDIC-insured?
Yes. It is an FDIC-insured savings institution (FDIC Certificate #35237). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates John Deere Financial, F.S.B.?
John Deere Financial, F.S.B.'s primary federal regulator is the OCC.
How many branches does John Deere Financial, F.S.B. operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is John Deere Financial, F.S.B.'s Texas Ratio?
Its Texas Ratio is 1.50% 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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