Superior Savings Bank
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Data as of · sourced from FFIEC call reports. How we update
Superior Savings Bank is an FDIC-insured savings bank headquartered in Superior, WI, established in 1924 (FDIC certificate 28790), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $98.8M, up 16.5% from Q2 2025, the 142nd largest of 153 banks headquartered in Wisconsin. It reports no CET1 ratio; its Tier 1 leverage ratio was 16.30% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 28790
- Headquarters
- Superior, WI
- Established
- 1924
- Total assets, Q2 2026
- $98.8M
- Assets vs Q2 2025
- +16.5%
- Tier 1 leverage ratio, Q2 2026
- 16.30%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 291871336
- Latest call report
- Q2 2026, FFIEC 041 · Superior Savings Bank call report
- Asset rank in state
- 142nd of 153 in Wisconsin
Superior Savings Bank, based in Superior, Wisconsin, reported $99 million in assets at June 30, 2026, up 16.5% from a year earlier. It grew deposits 19.5% over the year, 7.8 times the median of 2.5% for the 583 banks with less than $100 million in assets.
Net income for the quarter rose 13% from a year earlier, to $179,000. Over the same year, loans grew 9.7% and deposits grew 19.5%.
As of June 30, 2026, Superior Savings Bank reported a return on assets of 0.69%, a nonperforming-loan ratio of 1.15% and a Texas ratio of 5.14%. The figures come from its call report filed with the FFIEC.
Of the 153 banks headquartered in Wisconsin, Superior Savings Bank is the 142nd largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 5.2% to $98.8M, loans rose 1.0% and deposits rose 5.9%. 1-4 family residential loans made up 75.9% of its total loans on June 30, 2026, its largest category; next came commercial and industrial loans at 6.4%. The FDIC Summary of Deposits lists a single office for it, in Superior, WI. On its Q2 2026 call report, Superior Savings Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 1130 Tower Ave, Superior, WI 54880
- County
- Douglas
- Metro Area
- Duluth, MN-WI
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- —
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- January 1, 1924
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 14
- Domestic deposits
- $81.4M
- Allowance for credit losses
- $1.8M
- Net charge-offs (YTD)
- $0
- Average total assets
- $103.2M
- Average total loans
- $87.6M
- Average interest-bearing deposits
- $72.9M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 28790
- Fed RSSD
- 575375
- Website
- www.ss-bank.com →
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, Superior Savings 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, Superior Savings Bank's total assets ran between $84.7M (Q2 2025) and $98.8M (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
$98.8M total assets against $84.7M; $82.0M total liabilities against $68.7M.
$81.5M net loans and leases against $74.2M; $81.4M total deposits against $68.2M.
$0 securities against $0; $14.6M cash and balances due against $7.9M.
$1.3M total interest income against $1.2M; $374K total interest expense against $330K.
$918K net interest income against $840K.
$108K total noninterest income against $100K; $756K total noninterest expense against $698K.
$30K provision for credit losses against $30K.
$179K net income against $158K.
0.69% return on assets against 0.70%; 3.67% net interest margin against 3.82%.
16.30% tier 1 leverage ratio against 17.85%.
Inside the full Superior Savings 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.
Superior Savings Bank rankings
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.43% (Q3 2025) to 0.93% (Q1 2026) and its net interest margin ran from 3.55% (Q1 2025) to 3.93% (Q4 2024).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.30% | 0.69% | 1.15% | 5.14% | 3.67% |
| Q1 2026 | 17.02% | 0.93% | 1.07% | 4.80% | 3.85% |
| Q4 2025 | 16.20% | 0.82% | 1.35% | 6.05% | 3.63% |
| Q3 2025 | 17.44% | 0.43% | 1.21% | 5.17% | 3.75% |
| Q2 2025 | 17.85% | 0.70% | 1.05% | 4.49% | 3.82% |
| Q1 2025 | 17.90% | 0.46% | 1.25% | 5.40% | 3.55% |
| Q4 2024 | 17.20% | 0.81% | 1.44% | 6.18% | 3.93% |
| Q3 2024 | 16.97% | 0.64% | 1.24% | 5.24% | 3.69% |
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 |
|---|---|---|---|
| Superior Savings Bank (main office) | Superior , WI | 54880 | $81.4M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in WI, rank 164 of 185 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 94 applications, 86 loans originated, $14.4M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Not on file
- Enforcement actions, SBA 7(a) lending, 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 Superior Savings Bank
What are Superior Savings Bank's total assets?
As of the Q2 2026 filing, Superior Savings Bank reported total assets of $98.8 million in its FFIEC call report.
Where is Superior Savings Bank headquartered?
It is headquartered in Superior, WI, United States.
When was Superior Savings Bank founded?
It was established in 1924, per the FDIC institution directory.
Is Superior Savings Bank FDIC-insured?
Yes. It is an FDIC-insured savings bank (FDIC Certificate #28790). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Superior Savings Bank?
Superior Savings Bank's primary federal regulator is the FDIC.
How many branches does Superior Savings 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 Superior Savings Bank's Texas Ratio?
Its Texas Ratio is 5.14% 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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