Clare Bank, N.A.: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Clare Bank, N.A. is a locally rooted FDIC-insured community bank based in Platteville, WI. The Q2 2026 balance sheet stands at $332M in assets, including $177M in loans. Profitability tracks the broader industry: ROA 1.08%, ROE 12.15%, NIM 2.49%. Regulatory capital is solid, 24.17% CET1 and 24.71% total risk-based capital ratio. Credit metrics are in line with industry norms, 0.80% NPL ratio. It operates 8 branches, primarily in Wisconsin.
As of June 30, 2026, Clare Bank, N.A. reported a CET1 capital ratio of 24.17%, a return on assets of 1.08%, a nonperforming-loan ratio of 0.80%, a Texas ratio of 4.87%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 345 W Pine St, Platteville, WI 53818
- County
- Grant
- Metro Area
- Platteville, 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
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- October 28, 1905
- Offices
- 8 domestic
- Employees (FTE)
- 40
- Domestic deposits
- $276.0M
- Allowance for credit losses
- $861K
- Net charge-offs (YTD)
- -$12K
- Average total assets
- $345.5M
- Average total loans
- $173.7M
- Average interest-bearing deposits
- $223.3M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 1022
- Fed RSSD
- 988144
- Website
- www.clarebank.com →
- Parent Holding Company
- MONTFORT BANCORPORATION, INC. (RSSD 1205325)
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Clare Bank, N.A. terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Clare Bank, N.A., 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.
Clare Bank, N.A. rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for Clare Bank, N.A.: CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 24.17% | 1.08% | 0.80% | 4.87% | 2.49% |
| Q1 2026 | — | 0.93% | 0.70% | 3.90% | 2.32% |
| Q4 2025 | 24.47% | 0.86% | 0.71% | 4.02% | 2.34% |
| Q3 2025 | — | 0.80% | 0.53% | 3.35% | 2.17% |
| Q2 2025 | 26.31% | 0.72% | 0.37% | 2.99% | 2.04% |
| Q1 2025 | — | 0.51% | 0.40% | 3.70% | 1.88% |
| Q4 2024 | 26.03% | 0.32% | 0.63% | 4.40% | 1.72% |
| Q3 2024 | — | 0.15% | 0.78% | 4.52% | 1.44% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 8 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Clare Bank, N.A. (main office) | Platteville , WI | 53818 | $93.4M |
| Shullsburg Main Branch | Shullsburg , WI | 53586 | $38.1M |
| Boscobel Main Branch | Boscobel , WI | 53805 | $30.5M |
| 107 W Nebraska Branch | Muscoda , WI | 53573 | $28.8M |
| 1290 4th Street Branch | Fennimore , WI | 53809 | $28.0M |
| Montfort Main Branch | Montfort , WI | 53569 | $27.8M |
| Bloomington Main Branch | Bloomington , WI | 53804 | $17.2M |
| Jamestown Branch | Jamestown Township , WI | 53807 | $12.2M |
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 |
|---|---|---|---|
| October 1, 1992 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 1992 | Structure Change | Acquired First Federal Savings and Loan Association of Platteville Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 30, 1990 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 30, 1990 | Structure Change | Acquired Farmers and Merchants 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 4 events.
Regulatory record
What the public regulatory sources show for Clare Bank, N.A., each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- None against the institution on file; 8 against individuals associated with it
- Period: Most recent action November 3, 2016. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.1% of deposits in WI, rank 100 of 185 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Clare Bank, N.A.
What are Clare Bank, N.A.'s total assets?
As of the Q2 2026 filing, Clare Bank, N.A. reported total assets of $332.5 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Clare Bank, N.A. headquartered?
Clare Bank, N.A. is headquartered in Platteville, WI, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Clare Bank, N.A. founded?
Clare Bank, N.A. was established in 1905, per the FDIC institution directory.
Is Clare Bank, N.A. FDIC-insured?
Yes. Clare Bank, N.A. is an FDIC-insured commercial bank (FDIC Certificate #1022). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Clare Bank, N.A.?
Clare Bank, N.A.'s primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Clare Bank, N.A.'s CET1 capital ratio?
Clare Bank, N.A. reported a Common Equity Tier 1 (CET1) capital ratio of 24.17% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Clare Bank, N.A. operate?
Clare Bank, N.A. operates 8 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Clare Bank, N.A.'s Texas Ratio?
Clare Bank, N.A.'s Texas Ratio is 4.87% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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