State Bank of Chilton
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Data as of · sourced from FFIEC call reports. How we update
State Bank of Chilton is an FDIC-insured commercial bank headquartered in Chilton, WI, established in 1891 (FDIC certificate 12331), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $516.5M, up 6.5% from Q2 2025, the 67th largest of 153 banks headquartered in Wisconsin. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.75% 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
- 12331
- Headquarters
- Chilton, WI
- Established
- 1891
- Total assets, Q2 2026
- $516.5M
- Assets vs Q2 2025
- +6.5%
- Tier 1 leverage ratio, Q2 2026
- 12.75%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 075903200
- Latest call report
- Q2 2026, FFIEC 051 · State Bank of Chilton call report
- Holding company
- CALUMET BANCORPORATION, INC.
- Asset rank in state
- 67th of 153 in Wisconsin
State Bank of Chilton is one of the more profitable banks of its size. Its balance sheet stood at $517 million at June 30, 2026, up 6.5% from a year earlier; it is based in Chilton, Wisconsin. It earns about $2.29 a year on every $100 of assets, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median $1.28). It also spends about 42 cents to bring in each dollar of revenue, lower than about 9 in 10 banks its size (median 61 cents).
Loans are outrunning deposits: over the year loans rose 13.4% and deposits rose 7.5%. Problem loans have nearly doubled in a year: loans on nonaccrual or 90 or more days past due, net of government guarantees are 0.58% of loans, against 0.29% a year earlier. Concentration is the risk to watch: it holds commercial real estate loans worth 2.2 times its capital, about double the median of 1.2 times for banks its size.
As of June 30, 2026, State Bank of Chilton reported a return on assets of 2.29%, a nonperforming-loan ratio of 0.58% and a Texas ratio of 3.45%. The figures come from its call report filed with the FFIEC.
Of the 153 banks headquartered in Wisconsin, State Bank of Chilton is the 67th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 0.8% to $516.5M, loans rose 3.1% and deposits rose 0.6%. Owner-occupied commercial real estate loans made up 29.9% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 21.2%. The FDIC Summary of Deposits lists 5 offices for it, in 5 cities in WI; its Chilton office books 51% of its branch deposits. Judged on its Q2 2026 call report, State Bank of Chilton meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 26 E Main St, Chilton, WI 53014
- County
- Calumet
- Metro Area
- Appleton, 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
- April 19, 1891
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 53
- Domestic deposits
- $435.9M
- Allowance for credit losses
- $7.6M
- Net charge-offs (YTD)
- -$38K
- Average total assets
- $516.2M
- Average total loans
- $429.9M
- Average interest-bearing deposits
- $334.4M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 12331
- Fed RSSD
- 120542
- Website
- www.statebankofchilton.com →
- Parent Holding Company
- CALUMET BANCORPORATION, INC. (RSSD 1133820)
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, State Bank of Chilton 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, State Bank of Chilton's total assets ran between $455.4M (Q3 2023) and $516.5M (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
$516.5M total assets against $485.1M; $450.9M total liabilities against $427.2M.
$430.7M net loans and leases against $379.5M; $435.9M total deposits against $405.6M.
$32.9M securities against $34.2M; $39.6M cash and balances due against $60.0M.
$7.7M total interest income against $7.2M; $2.2M total interest expense against $2.2M.
$5.6M net interest income against $5.0M.
$224K total noninterest income against $271K; $2.5M total noninterest expense against $2.2M.
$400K provision for credit losses against $0.
$3.0M net income against $3.1M.
2.29% return on assets against 2.59%; 4.42% net interest margin against 4.25%.
12.75% tier 1 leverage ratio against 12.21%.
Inside the full State Bank of Chilton 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.
State Bank of Chilton rankings
Its closest position to the top of a national ranking is 246 of 3,611, for ROA; its furthest is 1,732 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.70% (Q4 2024) to 3.06% (Q3 2025) and its net interest margin ran from 3.89% (Q3 2024) to 4.58% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.75% | 2.29% | 0.58% | 3.45% | 4.42% |
| Q1 2026 | 12.68% | 2.50% | 0.56% | 3.31% | 4.25% |
| Q4 2025 | 12.50% | 2.20% | 0.27% | 1.56% | 4.45% |
| Q3 2025 | 12.51% | 3.06% | 0.18% | 1.05% | 4.58% |
| Q2 2025 | 12.21% | 2.59% | 0.29% | 1.74% | 4.25% |
| Q1 2025 | 11.80% | 2.63% | 0.38% | 2.37% | 4.13% |
| Q4 2024 | 11.23% | 1.70% | 0.29% | 2.06% | 4.22% |
| Q3 2024 | 11.31% | 2.36% | 0.89% | 5.72% | 3.89% |
Swipe the table sideways to see every column.
Branch Network
View all 5 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 |
|---|---|---|---|
| State Bank of Chilton (main office) | Chilton , WI | 53014 | $220.9M |
| Brillion Office Branch | Brillion , WI | 54110 | $91.4M |
| Stockbridge Office Branch | Stockbridge , WI | 53088 | $47.8M |
| Brookfield Office Branch | Brookfield , WI | 53005 | $47.2M |
| Sherwood Office Branch | Sherwood , WI | 54169 | $28.5M |
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 1, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 1, 2016 | Structure Change | Acquired Calumet County Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 2001 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2001 | Structure Change | Acquired State Bank of Stockbridge 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 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in WI, rank 70 of 185 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 74 applications, 64 loans originated, $17.6M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 4 loans, $409K approved, $102K average. 25.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2021 (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 State Bank of Chilton
What are State Bank of Chilton's total assets?
As of the Q2 2026 filing, State Bank of Chilton reported total assets of $516.5 million in its FFIEC call report.
Where is State Bank of Chilton headquartered?
It is headquartered in Chilton, WI, United States.
When was State Bank of Chilton founded?
It was established in 1891, per the FDIC institution directory.
Is State Bank of Chilton FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #12331). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates State Bank of Chilton?
State Bank of Chilton's primary federal regulator is the FDIC.
How many branches does State Bank of Chilton operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is State Bank of Chilton's Texas Ratio?
Its Texas Ratio is 3.45% 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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