Town Bank, N.A.
BankRegReports is independent of Town Bank, N.A. and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Town Bank, N.A. is an FDIC-insured commercial bank headquartered in Hartland, WI, established in 1998 (FDIC certificate 34717), and it is supervised by the OCC. At Q2 2026 it reported total assets of $4.71B, up 7.2% from Q2 2025, the 6th largest of 153 banks headquartered in Wisconsin. Its CET1 capital ratio was 11.19% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 34717
- Headquarters
- Hartland, WI
- Established
- 1998
- Total assets, Q2 2026
- $4.71B
- Assets vs Q2 2025
- +7.2%
- CET1 ratio, Q2 2026
- 11.19%
- Domestic offices
- 26 FDIC institution directory, current count
- Routing number
- 075917843
- Latest call report
- Q2 2026, FFIEC 041 · Town Bank, N.A. call report
- Holding company
- WINTRUST FINANCIAL CORPORATION
- Asset rank in state
- 6th of 153 in Wisconsin
Town Bank, N.A. runs leaner than most banks of its size. Its balance sheet stood at $4.7 billion at June 30, 2026, up 7.2% from a year earlier; it is based in Hartland, Wisconsin. It spends about 42 cents to bring in each dollar of revenue, lower than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 58 cents). On the other hand, it holds common equity equal to 11.19% of its risk-weighted assets, lower than about three-quarters of banks its size (median 13.52%).
Net income for the quarter rose 25% from a year earlier, to $17 million. Paper losses on its bond portfolio are shrinking: unrealized losses of $107 million equal 24% of Tier 1 capital, down from 31% a year earlier. Its margin is thin by comparison: it keeps 3.02 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.71 cents).
As of June 30, 2026, Town Bank, N.A. reported a CET1 capital ratio of 11.19%, a return on assets of 1.45%, a nonperforming-loan ratio of 0.22% and a Texas ratio of 1.80%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Town Bank, N.A. is the 6th largest of the 153 banks headquartered in Wisconsin. From Q1 2026 to Q2 2026, its total assets rose 4.3% to $4.71B, loans rose 3.7% and deposits rose 2.5%. Its loan book on June 30, 2026 was led by commercial and industrial loans, at 37.0% of total loans, followed by other consumer loans at 17.6%. Its 25 offices in the FDIC Summary of Deposits are in 18 cities in WI; its Hartland office books 34% of its branch deposits. Judged on its Q2 2026 call report, Town Bank, N.A. meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 850 W North Shore Dr, Hartland, WI 53029
- County
- Waukesha
- Metro Area
- Milwaukee-Waukesha, WI
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- July 23, 1998
- Former names
- Town Bank (2003-2019)
- Domestic offices
- 26 FDIC institution directory, current count
- Employees (FTE)
- 184
- Domestic deposits
- $3.81B
- Allowance for credit losses
- $18.9M
- Net charge-offs (YTD)
- $1.6M
- Average total assets
- $4.64B
- Average total loans
- $3.34B
- Average interest-bearing deposits
- $3.05B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- July 23, 1998
- FDIC Cert
- 34717
- Fed RSSD
- 2693264
- SEC CIK
- 1015328 → filed by WINTRUST FINANCIAL CORPORATION
- Website
- www.townbank.us →
- Parent Holding Company
- WINTRUST FINANCIAL CORPORATION (RSSD 2260406) · WTFC
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Timothy Crane | CEO | PRESIDENT & CEO |
| Thomas P Zidar | CHR | CHAIRMAN SR MKT HD WEALTH -MTG |
| David L Stoehr | CFO | CHIEF FINANCIAL OFFICER |
| David A Dykstra | COO | VICE CHAIRMAN AND COO |
| Kathleen M Boege | GC | EVP, CHIEF LEGAL OFC, AND SEC |
| James V Lentino | CRO | SVP and Chief Risk Officer |
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
Town Bank, N.A.'s total assets moved between a low of $3.73B (Q3 2023) and a high of $4.71B (Q2 2026) 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
$4.71B total assets against $4.39B; $4.23B total liabilities against $3.96B.
$3.50B net loans and leases against $3.29B; $3.81B total deposits against $3.66B.
$866.1M securities against $767.5M; $88.5M cash and balances due against $99.7M.
$55.4M total interest income against $54.8M; $22.2M total interest expense against $23.7M.
$33.2M net interest income against $31.1M.
$4.4M total noninterest income against $3.7M; $15.7M total noninterest expense against $15.6M.
-$698K provision for credit losses against $1.2M.
$16.8M net income against $13.4M.
1.45% return on assets against 1.24%; 3.02% net interest margin against 3.03%.
11.19% CET1 capital ratio against 10.81%; 9.75% tier 1 leverage ratio against 9.22%.
Inside the full Town Bank, N.A. 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.
Town Bank, N.A. rankings
Its closest position to the top of a national ranking is 250 of 3,606, for efficiency ratio; its furthest is 1,911 of 2,134, for CET1 ratio.
Metric pages for Town Bank, N.A.: Efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.98% (Q3 2024) to 1.45% (Q2 2026) and its net interest margin ran from 2.86% (Q3 2024) to 3.10% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.19% | 1.45% | 0.22% | 1.80% | 3.02% |
| Q1 2026 | 11.35% | 1.37% | 0.18% | 1.72% | 2.99% |
| Q4 2025 | 11.38% | 1.22% | 0.15% | 1.54% | 3.02% |
| Q3 2025 | 11.05% | 1.42% | 0.17% | 1.71% | 3.10% |
| Q2 2025 | 10.81% | 1.24% | 0.18% | 1.93% | 3.03% |
| Q1 2025 | 10.80% | 1.18% | 0.31% | 2.63% | 3.04% |
| Q4 2024 | 10.77% | 1.09% | 0.26% | 2.30% | 3.00% |
| Q3 2024 | 10.61% | 0.98% | 0.27% | 2.35% | 2.86% |
Swipe the table sideways to see every column.
Branch Network
View all 25 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 |
|---|---|---|---|
| Town Bank, N.A. (main office) | Hartland , WI | 53029 | $1.29B |
| Kilbourn Branch | Milwaukee , WI | 53202 | $472.0M |
| Delafield Branch | Delafield , WI | 53018 | $364.0M |
| Burlington Branch | Burlington , WI | 53105 | $203.3M |
| Delavan Branch | Delavan , WI | 53115 | $158.7M |
| Foundations Bank Branch | Pewaukee , WI | 53072 | $149.4M |
| Lake Geneva Branch | Lake Geneva , WI | 53147 | $133.8M |
| Menomonee Falls Branch | Menomonee Falls , WI | 53051 | $113.3M |
| Walworth Branch | Walworth , WI | 53184 | $112.1M |
| Elm Grove Office Branch | Elm Grove , WI | 53122 | $112.0M |
| Wind Lake Branch | Wind Lake , WI | 53185 | $98.9M |
| Milwaukee Branch | Milwaukee , WI | 53204 | $90.7M |
| Madison Branch | Madison , WI | 53717 | $82.1M |
| Wales Wi Branch | Wales , WI | 53183 | $81.2M |
| Clinton Branch | Clinton , WI | 53525 | $75.6M |
| Racine Branch | Racine , WI | 53406 | $70.5M |
| Lake Geneva East Branch | Lake Geneva , WI | 53147 | $49.0M |
| Marquette University Branch | Milwaukee , WI | 53233 | $47.5M |
| Town Bank Branch | Whitefish Bay , WI | 53217 | $46.4M |
| Uptown Milwaukee Branch | Milwaukee , WI | 53208 | $27.2M |
| Mequon Branch | Mequon , WI | 53092 | $21.0M |
| Milwaukee Office | Milwaukee , WI | 53204 | $9.9M |
| Capitol Drive Branch | Milwaukee , WI | 53212 | $4.2M |
| Cfl Milwaukee Branch | Milwaukee , WI | 53233 | $785K |
| Beloit Branch | Beloit , WI | 53511 | $721K |
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 |
|---|---|---|---|
| March 31, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 31, 2016 | Structure Change | Acquired Foundations Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 17, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 17, 2015 | Structure Change | Acquired Community Bank CBD Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 3, 2006 | Structure Change | Acquired Town Investment Corp. 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 5 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (Federal Reserve)
- March 25, 2019, Federal Reserve: Civil Money Penalty, $1,012,500: Wintrust Financial Corporation, Rosemont, Illinois
- Period: Most recent institution action March 25, 2019. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 1.8% of deposits in WI, rank 9 of 185 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 282 applications, 196 loans originated, $144.7M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 7 loans, $2.0M approved, $290K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- 5 complaints in the last 4 full quarters. Raw counts, not adjusted for size
- Period: 2024-Q4 to 2026-Q1. Source: CFPB consumer complaint database.
- Not on file
- CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows Town Bank, N.A.’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about Town Bank, N.A.
What are Town Bank, N.A.'s total assets?
As of the Q2 2026 filing, Town Bank, N.A. reported total assets of $4.71 billion in its FFIEC call report.
Where is Town Bank, N.A. headquartered?
It is headquartered in Hartland, WI, United States.
When was Town Bank, N.A. founded?
It was established in 1998, per the FDIC institution directory.
Is Town Bank, N.A. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #34717). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Town Bank, N.A.?
Town Bank, N.A.'s primary federal regulator is the OCC.
What is Town Bank, N.A.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.19% in its Q2 2026 call report, above regulatory requirements.
How many branches does Town Bank, N.A. operate?
It operates 26 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Town Bank, N.A.'s Texas Ratio?
Its Texas Ratio is 1.80% 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.
What was Town Bank, N.A. previously called?
The charter now named Town Bank, N.A. has also operated as Town Bank (2003-2019), per FDIC structure-change records.
Go deeper on Town Bank, N.A.
Get an email when Town Bank, N.A. files its next call report, and benchmark it against any peer you choose.
Unlock Town Bank, N.A., freeFree account