Johnson Bank
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Data as of · sourced from FFIEC call reports. How we update
Johnson Bank is an FDIC-insured commercial bank headquartered in Racine, WI, established in 1970 (FDIC certificate 20296), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $7.07B, up 0.3% from Q2 2025, the 3rd largest of 153 banks headquartered in Wisconsin. Its CET1 capital ratio was 15.62% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 20296
- Headquarters
- Racine, WI
- Established
- 1970
- Total assets, Q2 2026
- $7.07B
- Assets vs Q2 2025
- +0.3%
- CET1 ratio, Q2 2026
- 15.62%
- Domestic offices
- 32 FDIC institution directory, current count
- Routing number
- 075911852
- Holding company
- JOHNSON FINANCIAL GROUP, INC.
- Asset rank in state
- 3rd of 153 in Wisconsin
Johnson Bank, based in Racine, Wisconsin, reported $7.1 billion in assets at June 30, 2026. It holds about half of its deposits (49%) above the FDIC insurance limit, higher than about three-quarters of the 895 banks with $1 billion to $10 billion in assets (median 30.9%). It also grew its loan book 0.5% over the year, a small fraction of the median of 5.9% for banks its size.
Earnings jumped: net income for the quarter was $24 million, 81% above the same quarter a year earlier. Its $731 million commercial and industrial book is improving, with 0.02% past due or on nonaccrual, down from 1.04% a year earlier.
As of June 30, 2026, Johnson Bank reported a CET1 capital ratio of 15.62%, a return on assets of 1.38%, a nonperforming-loan ratio of 0.23% and a Texas ratio of 1.37%. The figures come from its call report filed with the FFIEC.
Of the 153 banks headquartered in Wisconsin, Johnson Bank is the 3rd largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 0.9% to $7.07B, loans rose 1.7% and deposits fell 3.6%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 31.0% of total loans, followed by non-owner-occupied commercial real estate loans at 17.0%. The FDIC Summary of Deposits lists 32 offices for it, in 23 cities in WI; its Racine 4 offices book 27% of its branch deposits. On its Q2 2026 call report, Johnson Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 555 Main St, Racine, WI 53403
- County
- Racine
- Metro Area
- Racine-Mount Pleasant, WI
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- November 12, 1970
- Former names
- Heritage Bank and Trust (1978-1998); Heritage Bank (1970-1978)
- Domestic offices
- 32 FDIC institution directory, current count
- Employees (FTE)
- 778
- Domestic deposits
- $5.63B
- Allowance for credit losses
- $76.4M
- Net charge-offs (YTD)
- -$1.7M
- Average total assets
- $7.01B
- Average total loans
- $5.31B
- Average interest-bearing deposits
- $4.68B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- November 12, 1970
- FDIC Cert
- 20296
- Fed RSSD
- 58243
- SEC CIK
- 1477024 → filed by JOHNSON FINANCIAL GROUP, INC.
- Website
- www.johnsonfinancialgroup.com →
- Parent Holding Company
- JOHNSON FINANCIAL GROUP, INC. (RSSD 1490701)
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, Johnson Bank's total assets ran between $6.27B (Q4 2023) and $7.19B (Q4 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$7.07B total assets against $7.05B; $6.21B total liabilities against $6.23B.
$5.30B net loans and leases against $5.27B; $5.63B total deposits against $5.48B.
$1.07B securities against $1.04B; $213.1M cash and balances due against $233.5M.
$88.2M total interest income against $89.1M; $29.5M total interest expense against $33.3M.
$58.7M net interest income against $55.8M.
$17.5M total noninterest income against $17.6M; $47.0M total noninterest expense against $48.7M.
-$2.0M provision for credit losses against $8.0M.
$24.1M net income against $13.4M.
1.38% return on assets against 0.77%; 3.55% net interest margin against 3.43%.
15.62% CET1 capital ratio against 14.62%; 12.33% tier 1 leverage ratio against 11.78%.
Inside the full Johnson 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.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Johnson Bank rankings
Its closest position to the top of a national ranking is 212 of 4,196, for total assets; its furthest is 2,519 of 3,640, for Texas Ratio.
Metric pages for Johnson Bank: Uninsured deposits.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.76% (Q4 2024) to 1.38% (Q2 2026) and its net interest margin ran from 3.33% (Q3 2024) to 3.55% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.62% | 1.38% | 0.23% | 1.37% | 3.55% |
| Q1 2026 | 16.04% | 1.24% | 0.28% | 1.57% | 3.44% |
| Q4 2025 | 15.64% | 1.21% | 0.28% | 1.61% | 3.48% |
| Q3 2025 | 14.88% | 1.26% | 0.34% | 2.06% | 3.55% |
| Q2 2025 | 14.62% | 0.77% | 0.35% | 2.16% | 3.43% |
| Q1 2025 | 15.60% | 1.06% | 0.21% | 1.20% | 3.38% |
| Q4 2024 | 15.50% | 0.76% | 0.18% | 1.02% | 3.36% |
| Q3 2024 | 15.34% | 0.81% | 0.36% | 2.03% | 3.33% |
Swipe the table sideways to see every column.
Branch Network
View all 32 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 |
|---|---|---|---|
| Johnson Bank (main office) | Racine , WI | 53403 | $1.14B |
| Milwaukee Branch 82000 | Milwaukee , WI | 53202 | $956.7M |
| Sun Prairie Branch | Sun Prairie , WI | 53590 | $623.5M |
| Kenosha Main Branch 56000 | Kenosha , WI | 53142 | $621.4M |
| Janesville Main Office Branch 61000 | Janesville , WI | 53545 | $410.2M |
| Green Bay Downtown Branch 77000 | Green Bay , WI | 54301 | $399.5M |
| Hayward Branch 11000 | Hayward , WI | 54843 | $201.1M |
| Mt. Pleasant Branch 38000 | Racine , WI | 53406 | $145.6M |
| Douglas Branch 32000 | Racine , WI | 53402 | $121.5M |
| Wind Point Branch 31000 | Wind Point , WI | 53402 | $108.6M |
| West Branch 36000 | Racine , WI | 53406 | $99.4M |
| Holiday Drive Branch 63000 | Janesville , WI | 53545 | $85.2M |
| Kenosha South Branch 53000 | Kenosha , WI | 53142 | $84.3M |
| Kenosha Midtown Branch 51000 | Kenosha , WI | 53144 | $68.2M |
| Kohler Branch 84000 | Kohler , WI | 53044 | $67.3M |
| Fort Atkinson Branch 73000 | Fort Atkinson , WI | 53538 | $54.2M |
| Mukwonago Branch 71000 | Mukwonago , WI | 53149 | $50.4M |
| Brookfield Branch 82100 Branch | Brookfield , WI | 53005 | $47.0M |
| Franklin Office 81000 Branch | Franklin , WI | 53132 | $46.8M |
| De Pere Branch 76000 | De Pere , WI | 54115 | $39.4M |
| Strawberry Creek 57000 Branch | Kenosha , WI | 53142 | $38.7M |
| Rice Lake Main 18000 Branch | Rice Lake , WI | 54868 | $38.7M |
| Whitefish Bay Branch 79000 | Whitefish Bay , WI | 53217 | $32.9M |
| Madison West Towne Branch | Madison , WI | 53719 | $25.2M |
| Waukesha Branch 86000 | Waukesha , WI | 53188 | $23.0M |
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 |
|---|---|---|---|
| June 19, 2006 | Structure Change | Acquired Johnson Bank Arizona, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 19, 2006 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 2, 2006 | Structure Change | Acquired Johnson Commercial Leasing, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 1, 2003 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2003 | Structure Change | Acquired Johnson Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 1, 2002 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 2002 | Structure Change | Acquired Capital Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 26, 2002 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 18, 2002 | Structure Change | Acquired Johnson Bank Hayward Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 24, 1998 | Structure Change | Acquired Johnson Bank, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 24, 1998 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 30, 1998 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 30, 1998 | Structure Change | Acquired The Bank of Fort Atkinson Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 19, 1990 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 17, 1990 | Structure Change | Acquired Heritage Bank of Mukwonago Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 16, 1990 | Structure Change | Acquired Heritage Bank of Kenosha Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 16, 1990 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 1990 | Structure Change | Acquired Heritage Bank Mt Pleasant Building Corporation Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 31, 1984 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 31, 1984 | Structure Change | Acquired Heritage Bank-Mt. Pleasant Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 20 events, scroll the table for the full history.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (Federal Reserve). These actions name the parent holding company, JOHNSON FINANCIAL GROUP, INC., not the bank itself
- May 10, 2011, Federal Reserve: Written Agreement: Johnson Financial Group, Inc. and Johnson Bank, both of Racine, Wisconsin
- Period: Most recent institution action May 10, 2011. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 2.7% of deposits in WI, rank 6 of 185 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 3,919 applications, 3,194 loans originated, $1.18B originated, across 21 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $1.8M approved, $912K 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
- 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 Johnson Bank
What are Johnson Bank's total assets?
As of the Q2 2026 filing, Johnson Bank reported total assets of $7.07 billion in its FFIEC call report.
Where is Johnson Bank headquartered?
It is headquartered in Racine, WI, United States.
When was Johnson Bank founded?
It was established in 1970, per the FDIC institution directory.
Is Johnson Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #20296). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Johnson Bank?
Johnson Bank's primary federal regulator is the Federal Reserve.
What is Johnson Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 15.62% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Johnson Bank operate?
It operates 32 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Johnson Bank's Texas Ratio?
Its Texas Ratio is 1.37% 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 Johnson Bank previously called?
The charter now named Johnson Bank has also operated as Heritage Bank and Trust (1978-1998), Heritage Bank (1970-1978), per FDIC structure-change records.
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