State Bank of Chilton: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 3.91 percentage points in Q2 2026, from 305.25% to 301.35%. It was the largest change from Q1 2026 among the key lines here. Among 153 Wisconsin banks, State Bank of Chilton sits 11th from the top on return on assets, 2.29% as of Q2 2026. Against a median of 1.25% for banks in the $100M-1B asset tier, State Bank of Chilton reported 2.29% on return on assets in Q2 2026, 1.05 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 12.75% |
| Equity capital to assets | 12.71% |
| Tangible equity to tangible assets | 12.71% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.58% |
| Non-performing assets ratio | 0.49% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 3.45% |
| Allowance for credit losses to loans | 1.74% |
| Reserve coverage of non-performing loans | 301.35% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.29% |
| Return on equity | 18.25% |
| Net interest margin | 4.42% |
| Efficiency ratio | 41.52% |
| Yield on earning assets | 6.12% |
| Cost of funds | 1.93% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 100.54% |
| Core deposits to total deposits | 89.37% |
| Brokered deposits to total deposits | 0.03% |
| Deposits to assets | 84.39% |
| Securities to assets | 6.37% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 10.59% | 2.00% | 3.67% | 1.35% | 0.07% |
| Q4 2023 | 11.06% | 1.55% | 3.78% | 1.35% | 0.19% |
| Q1 2024 | 10.86% | 2.22% | 3.75% | 1.43% | -0.02% |
| Q2 2024 | 11.40% | 2.68% | 3.93% | 1.31% | 0.01% |
| Q3 2024 | 11.31% | 2.36% | 3.89% | 1.15% | 0.17% |
| Q4 2024 | 11.23% | 1.70% | 4.22% | 0.54% | 0.30% |
| Q1 2025 | 11.80% | 2.63% | 4.13% | 0.63% | -0.02% |
| Q2 2025 | 12.21% | 2.59% | 4.25% | 0.53% | -0.08% |
| Q3 2025 | 12.51% | 3.06% | 4.58% | 0.18% | -0.02% |
| Q4 2025 | 12.50% | 2.20% | 4.45% | 0.27% | -0.00% |
| Q1 2026 | 12.68% | 2.50% | 4.25% | 0.56% | -0.03% |
| Q2 2026 | 12.75% | 2.29% | 4.42% | 0.58% | -0.01% |
State Bank of Chilton vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock State Bank of Chilton, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full State Bank of Chilton profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12331) · FFIEC NIC profile (RSSD 120542)