Spring Bank (Brookfield, WI)
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Data as of · sourced from FFIEC call reports. How we update
Spring Bank is an FDIC-insured commercial bank headquartered in Brookfield, WI, established in 2008 (FDIC certificate 58780), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $440.7M, up 5.6% from Q2 2025, the 72nd largest of 153 banks headquartered in Wisconsin. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.57% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 58780
- Headquarters
- Brookfield, WI
- Established
- 2008
- Total assets, Q2 2026
- $440.7M
- Assets vs Q2 2025
- +5.6%
- Tier 1 leverage ratio, Q2 2026
- 11.57%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 075918334
- Latest call report
- Q2 2026, FFIEC 051 · Spring Bank call report
- Asset rank in state
- 72nd of 153 in Wisconsin
Spring Bank pays more for its money than most banks of its size. Its balance sheet stood at $441 million at June 30, 2026, up 5.6% from a year earlier; it is based in Brookfield, Wisconsin. It pays an average of 3.04% on its deposits and borrowings, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 1.80%). It also carries problem assets equal to 18.3% of the capital and reserves that would absorb them, 6.9 times the median of 2.6% for banks its size.
Earnings jumped: net income for the quarter was $1.8 million, 54% above the same quarter a year earlier. Its $70 million commercial and industrial book is improving, with 7.40% past due or on nonaccrual, down from 9.82% a year earlier. Concentration is the risk to watch: it holds commercial real estate loans worth 2.6 times its capital, about double the median of 1.2 times for banks its size.
As of June 30, 2026, Spring Bank reported a return on assets of 1.59%, a nonperforming-loan ratio of 2.70% and a Texas ratio of 18.33%. The figures come from its call report filed with the FFIEC.
Of the 153 banks headquartered in Wisconsin, Spring Bank is the 72nd largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 0.3% to $440.7M, loans fell 0.6% and deposits rose 0.9%. The largest part of its loan book on June 30, 2026 was owner-occupied commercial real estate loans, at 27.3% of total loans, ahead of non-owner-occupied commercial real estate loans at 23.0%. Its one office in the FDIC Summary of Deposits is in Brookfield, WI. By the capital ratios in its Q2 2026 call report, Spring Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 16620 W Bluemound Rd Ste 100a, Brookfield, WI 53005
- County
- Waukesha
- Metro Area
- Milwaukee-Waukesha, 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
- August 28, 2008
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 37
- Domestic deposits
- $332.3M
- Allowance for credit losses
- $4.9M
- Net charge-offs (YTD)
- $0
- Average total assets
- $444.2M
- Average total loans
- $375.1M
- Average interest-bearing deposits
- $287.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 28, 2008
- FDIC Cert
- 58780
- Fed RSSD
- 3721605
- Website
- www.springbankwi.bank →
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, Spring 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, Spring Bank's total assets ran between $365.4M (Q4 2023) and $441.9M (Q1 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
$440.7M total assets against $417.4M; $391.2M total liabilities against $371.9M.
$364.4M net loans and leases against $350.8M; $332.3M total deposits against $316.8M.
$37.6M securities against $35.8M; $23.5M cash and balances due against $16.0M.
$7.0M total interest income against $6.2M; $3.0M total interest expense against $2.9M.
$4.0M net interest income against $3.3M.
$160K total noninterest income against $129K; $1.9M total noninterest expense against $1.8M.
$40K provision for credit losses against $203K.
$1.8M net income against $1.1M.
1.59% return on assets against 1.12%; 3.68% net interest margin against 3.33%.
11.57% tier 1 leverage ratio against 11.68%.
Inside the full Spring 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.
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.
Spring Bank rankings
Its closest position to the top of a national ranking is 209 of 3,640, for Texas Ratio; its furthest is 1,934 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.88% (Q4 2024) to 1.59% (Q2 2026) and its net interest margin ran from 3.00% (Q4 2024) to 3.68% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.57% | 1.59% | 2.70% | 18.33% | 3.68% |
| Q1 2026 | 11.78% | 1.46% | 3.27% | 22.01% | 3.48% |
| Q4 2025 | 11.73% | 1.44% | 3.01% | 20.79% | 3.65% |
| Q3 2025 | 11.40% | 1.28% | 2.85% | 19.72% | 3.49% |
| Q2 2025 | 11.68% | 1.12% | 3.27% | 23.08% | 3.33% |
| Q1 2025 | 12.60% | 1.12% | 3.17% | 20.47% | 3.17% |
| Q4 2024 | 12.56% | 0.88% | 3.24% | 20.61% | 3.00% |
| Q3 2024 | 12.32% | 1.11% | 0.49% | 2.98% | 3.12% |
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 |
|---|---|---|---|
| Spring Bank (main office) | Brookfield , WI | 53005 | $332.3M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in WI, rank 88 of 185 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 10 loans, $2.6M approved, $263K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2017 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 Spring Bank
What are Spring Bank's total assets?
As of the Q2 2026 filing, Spring Bank reported total assets of $440.7 million in its FFIEC call report.
Where is Spring Bank headquartered?
It is headquartered in Brookfield, WI, United States.
When was Spring Bank founded?
It was established in 2008, per the FDIC institution directory.
Is Spring Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #58780). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Spring Bank?
Spring Bank's primary federal regulator is the FDIC.
How many branches does Spring Bank 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 Spring Bank's Texas Ratio?
Its Texas Ratio is 18.33% 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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