Mound City Bank
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Data as of · sourced from FFIEC call reports. How we update
Mound City Bank is an FDIC-insured commercial bank headquartered in Platteville, WI, established in 1915 (FDIC certificate 9037), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $550.7M, up 6.7% from Q2 2025, the 62nd largest of 153 banks headquartered in Wisconsin. Its CET1 capital ratio was 16.72% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 9037
- Headquarters
- Platteville, WI
- Established
- 1915
- Total assets, Q2 2026
- $550.7M
- Assets vs Q2 2025
- +6.7%
- CET1 ratio, Q2 2026
- 16.72%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 075908687
- Latest call report
- Q2 2026, FFIEC 051 · Mound City Bank call report
- Holding company
- MOUND CITY FINANCIAL SERVICES, INC.
- Asset rank in state
- 62nd of 153 in Wisconsin
Little in Mound City Bank's latest call report stands out. The Platteville, Wisconsin bank had $551 million in assets at June 30, 2026, up 6.7% from a year earlier. On most measures it sits near the middle of the 2,660 banks with $100 million to $1 billion in assets.
Earnings jumped: net income for the quarter was $2.4 million, 68% above the same quarter a year earlier. Its $64 million non-owner-occupied commercial real estate book is now fully current, after 2.55% of it was past due or on nonaccrual a year earlier. Concentration is the risk to watch: it holds commercial real estate loans worth 2.0 times its capital, higher than about three-quarters of banks its size (median 1.2 times).
As of June 30, 2026, Mound City Bank reported a CET1 capital ratio of 16.72%, a return on assets of 1.76%, a nonperforming-loan ratio of 0.11% and a Texas ratio of 0.62%. The figures come from its call report filed with the FFIEC.
Mound City Bank ranks as the 62nd largest of the 153 banks based in Wisconsin, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 0.9% to $550.7M, loans rose 2.8% and deposits fell 0.6%. 1-4 family residential loans made up 27.1% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 14.6%. Its 6 offices in the FDIC Summary of Deposits are in 5 cities in WI; its Platteville 2 offices book 56% of its branch deposits. On its Q2 2026 call report, Mound City Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 25 E Pine St, Platteville, WI 53818
- County
- Grant
- Metro Area
- Platteville, 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
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- February 15, 1915
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 75
- Domestic deposits
- $468.0M
- Allowance for credit losses
- $5.9M
- Net charge-offs (YTD)
- $20K
- Average total assets
- $550.8M
- Average total loans
- $429.3M
- Average interest-bearing deposits
- $414.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 9037
- Fed RSSD
- 259442
- SEC CIK
- 1025776 → filed by MOUND CITY FINANCIAL SERVICES, INC.
- Website
- http://www.moundcitybank.com →
- Parent Holding Company
- MOUND CITY FINANCIAL SERVICES, INC. (RSSD 2510428)
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
Mound City Bank's total assets moved between a low of $460.1M (Q3 2023) and a high of $550.7M (Q2 2026) from Q3 2023 to Q2 2026, 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
$550.7M total assets against $515.9M; $481.6M total liabilities against $455.0M.
$428.3M net loans and leases against $392.0M; $468.0M total deposits against $446.5M.
$81.7M securities against $67.0M; $13.3M cash and balances due against $31.1M.
$7.2M total interest income against $6.1M; $2.2M total interest expense against $2.1M.
$5.0M net interest income against $4.0M.
$1.3M total noninterest income against $1.0M; $3.4M total noninterest expense against $3.2M.
$22K provision for credit losses against $7K.
$2.4M net income against $1.4M.
1.76% return on assets against 1.13%; 3.82% net interest margin against 3.35%.
16.72% CET1 capital ratio against 16.31%; 13.07% tier 1 leverage ratio against 12.69%.
Inside the full Mound City 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.
Mound City Bank rankings
Its closest position to the top of a national ranking is 793 of 3,611, for ROA; its furthest is 2,893 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.87% (Q4 2024) to 1.76% (Q2 2026) and its net interest margin ran from 2.75% (Q3 2024) to 3.82% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.72% | 1.76% | 0.11% | 0.62% | 3.82% |
| Q1 2026 | 16.77% | 1.55% | 0.04% | 0.23% | 3.54% |
| Q4 2025 | 16.28% | 1.29% | 0.01% | 0.08% | 3.82% |
| Q3 2025 | 16.30% | 1.54% | 0.41% | 2.38% | 3.50% |
| Q2 2025 | 16.31% | 1.13% | 0.41% | 2.43% | 3.35% |
| Q1 2025 | 16.20% | 1.27% | 0.42% | 2.57% | 2.97% |
| Q4 2024 | 15.84% | 0.87% | 0.43% | 2.66% | 2.95% |
| Q3 2024 | 15.64% | 0.97% | 0.45% | 2.81% | 2.75% |
Swipe the table sideways to see every column.
Branch Network
View all 6 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 |
|---|---|---|---|
| Mound City Bank (main office) | Platteville , WI | 53818 | $260.3M |
| Mount Horeb Branch | Mount Horeb , WI | 53572 | $72.9M |
| Cuba City Branch | Cuba City , WI | 53807 | $49.5M |
| Mineral Point Branch (New) | Mineral Point , WI | 53565 | $42.8M |
| Belmont Branch | Belmont , WI | 53510 | $42.5M |
| Second Street Motor Branch | Platteville , WI | 53818 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in WI, rank 66 of 185 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 316 applications, 273 loans originated, $73.8M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $801K approved, $801K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2023 (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 Mound City Bank
What are Mound City Bank's total assets?
As of the Q2 2026 filing, Mound City Bank reported total assets of $550.7 million in its FFIEC call report.
Where is Mound City Bank headquartered?
It is headquartered in Platteville, WI, United States.
When was Mound City Bank founded?
It was established in 1915, per the FDIC institution directory.
Is Mound City Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #9037). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Mound City Bank?
Mound City Bank's primary federal regulator is the FDIC.
What is Mound City Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 16.72% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Mound City Bank operate?
It operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Mound City Bank's Texas Ratio?
Its Texas Ratio is 0.62% 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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