State Bank of Reeseville
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Data as of · sourced from FFIEC call reports. How we update
State Bank of Reeseville is an FDIC-insured commercial bank headquartered in Reeseville, WI, established in 1902 (FDIC certificate 14960), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $169.5M, up 13.0% from Q2 2025, the 124th largest of 153 banks headquartered in Wisconsin. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.58% 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
- 14960
- Headquarters
- Reeseville, WI
- Established
- 1902
- Total assets, Q2 2026
- $169.5M
- Assets vs Q2 2025
- +13.0%
- Tier 1 leverage ratio, Q2 2026
- 9.58%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 075906634
- Latest call report
- Q2 2026, FFIEC 051 · State Bank of Reeseville call report
- Holding company
- RW BANCORP., LTD.
- Asset rank in state
- 124th of 153 in Wisconsin
State Bank of Reeseville, based in Reeseville, Wisconsin, reported $170 million in assets at June 30, 2026, up 13.0% from a year earlier. It keeps 2.62 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). It also pays an average of 3.06% on its deposits and borrowings, higher than about 9 in 10 banks its size (median 1.80%).
Earnings jumped: net income for the quarter was $258,000, 77% above the same quarter a year earlier. Paper losses on its bond portfolio are shrinking: unrealized losses of $9.0 million equal 55% of Tier 1 capital, down from 91% a year earlier. Profitability lags: it earns about $0.60 a year on every $100 of assets, about half the median of $1.28 for banks its size.
As of June 30, 2026, State Bank of Reeseville reported a return on assets of 0.60%, a nonperforming-loan ratio of 0.01% and a Texas ratio of 0.05%. The figures come from its call report filed with the FFIEC.
Of the 153 banks headquartered in Wisconsin, State Bank of Reeseville is the 124th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 7.4% to $169.5M, loans rose 12.0% and deposits rose 5.4%. Commercial and industrial loans made up 30.1% of its total loans on June 30, 2026, its largest category; next came farmland and other real estate loans at 30.0%. Its 3 offices in the FDIC Summary of Deposits are in Reeseville, WI, Watertown, WI and Beaver Dam, WI; its Reeseville office books 73% of its branch deposits. On its Q2 2026 call report, State Bank of Reeseville meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 203 S Main St, Reeseville, WI 53579
- County
- Dodge
- Metro Area
- Beaver Dam, 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
- January 1, 1902
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 16
- Domestic deposits
- $139.6M
- Allowance for credit losses
- $529K
- Net charge-offs (YTD)
- $11K
- Average total assets
- $170.9M
- Average total loans
- $89.4M
- Average interest-bearing deposits
- $107.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 14960
- Fed RSSD
- 159645
- Website
- www.statebankofreeseville.com →
- Parent Holding Company
- RW BANCORP., LTD. (RSSD 2629834)
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 Reeseville reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
State Bank of Reeseville's total assets moved between a low of $133.4M (Q3 2023) and a high of $169.6M (Q4 2025) 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
$169.5M total assets against $150.0M; $156.2M total liabilities against $140.9M.
$92.3M net loans and leases against $73.3M; $139.6M total deposits against $124.3M.
$68.1M securities against $66.0M; $1.4M cash and balances due against $2.5M.
$2.2M total interest income against $1.9M; $1.1M total interest expense against $1.0M.
$1.0M net interest income against $836K.
$49K total noninterest income against $37K; $786K total noninterest expense against $727K.
No provision recorded in the last 12 quarters.
$258K net income against $146K.
0.60% return on assets against 0.39%; 2.62% net interest margin against 2.40%.
9.58% tier 1 leverage ratio against 9.76%.
Inside the full State Bank of Reeseville 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.
Held-to-maturity securities carry unrealized losses worth 10–25% of book equity. Carried at amortized cost, they do not reduce reported capital, but they shrink the bank's true mark-to-market cushion if the securities ever have to be sold. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
State Bank of Reeseville rankings
Its closest position to the top of a national ranking is 2,372 of 3,606, for efficiency ratio; its furthest is 3,291 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.15% (Q4 2024) to 1.75% (Q3 2025) and its net interest margin ran from 2.12% (Q3 2024) to 3.18% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.58% | 0.60% | 0.01% | 0.05% | 2.62% |
| Q1 2026 | 9.36% | 0.92% | 0.00% | 0.00% | 2.56% |
| Q4 2025 | 9.10% | 0.61% | 0.00% | 0.00% | 2.18% |
| Q3 2025 | 9.26% | 1.75% | 0.00% | 0.00% | 3.18% |
| Q2 2025 | 9.76% | 0.39% | 0.00% | 0.00% | 2.40% |
| Q1 2025 | 9.48% | 0.54% | 0.00% | 0.00% | 2.37% |
| Q4 2024 | 9.50% | 0.15% | 0.00% | 0.00% | 2.15% |
| Q3 2024 | 9.66% | 0.26% | 0.00% | 0.00% | 2.12% |
Swipe the table sideways to see every column.
Branch Network
View all 3 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 Reeseville (main office) | Reeseville , WI | 53579 | $102.4M |
| Watertown Branch | Watertown , WI | 53098 | $30.8M |
| State Bank of Reeseville Branch | Beaver Dam , WI | 53916 | $6.5M |
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 |
|---|---|---|---|
| May 13, 1986 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 13, 1986 | Structure Change | Acquired Farmers State Bank 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 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in WI, rank 140 of 185 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $112K approved, $112K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2009 (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 State Bank of Reeseville
What are State Bank of Reeseville's total assets?
As of the Q2 2026 filing, State Bank of Reeseville reported total assets of $169.5 million in its FFIEC call report.
Where is State Bank of Reeseville headquartered?
It is headquartered in Reeseville, WI, United States.
When was State Bank of Reeseville founded?
It was established in 1902, per the FDIC institution directory.
Is State Bank of Reeseville FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #14960). 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 Reeseville?
State Bank of Reeseville's primary federal regulator is the FDIC.
How many branches does State Bank of Reeseville operate?
It operates 3 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 Reeseville's Texas Ratio?
Its Texas Ratio is 0.05% 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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