Town Bank, N.A.: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Town Bank, N.A. is a community bank chartered in 1998, based in Hartland, WI. Profitability is strong, 1.45% ROA, paired with 14.08% ROE and a 3.02% net interest margin. Town Bank's Q2 2026 balance sheet shows $4.7B in assets funded primarily by $3.8B in customer deposits. Regulatory capital is solid, 11.19% CET1 and 11.78% total risk-based capital ratio. Credit metrics are pristine, with nonperforming loans at just 0.18%. Town Bank operates a 25-branch network.
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 0.18%, a Texas ratio of 1.83%, per financial data filed with the FFIEC.
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)
- Offices
- 25 domestic
- Employees (FTE)
- 184
- Domestic deposits
- $3.81B
- Allowance for credit losses
- $18.9M
- Net charge-offs (YTD)
- $1.6M
- 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 |
|---|---|---|
| Crane Timothy | CEO | PRESIDENT & CEO |
| Stoehr David L | CFO | CHIEF FINANCIAL OFFICER |
| Dykstra David A | COO | VICE CHAIRMAN AND COO |
| Zidar Thomas P | CHR | CHAIRMAN SR MKT HD WEALTH -MTG |
| Boege Kathleen M | GC | EVP, CHIEF LEGAL OFC, AND SEC |
| Lentino James V | CRO | SVP and Chief Risk Officer |
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 Town Bank, N.A. terminal
25 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Town 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.
Town 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.
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 | 11.19% | 1.45% | 0.18% | 1.83% | 3.02% |
| Q1 2026 | 11.35% | 1.37% | 0.16% | 1.72% | 2.99% |
| Q4 2025 | 11.38% | 1.22% | 0.12% | 1.54% | 3.02% |
| Q3 2025 | 11.05% | 1.42% | 0.15% | 1.71% | 3.10% |
| Q2 2025 | 10.81% | 1.24% | 0.14% | 2.04% | 3.03% |
| Q1 2025 | 10.80% | 1.18% | 0.30% | 3.05% | 3.04% |
| Q4 2024 | 10.77% | 1.09% | 0.23% | 2.53% | 3.00% |
| Q3 2024 | 10.61% | 0.98% | 0.20% | 2.48% | 2.86% |
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 25 branches →
| 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
What the public regulatory sources show for Town 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
- 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.
- 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.
- 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 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. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Town Bank, N.A. headquartered?
Town Bank, N.A. is headquartered in Hartland, WI, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Town Bank, N.A. founded?
Town Bank, N.A. was established in 1998, per the FDIC institution directory.
Is Town Bank, N.A. FDIC-insured?
Yes. Town Bank, N.A. 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Town Bank, N.A.'s CET1 capital ratio?
Town Bank, N.A. 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?
Town Bank, N.A. operates 25 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?
Town Bank, N.A.'s Texas Ratio is 1.83% 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.
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.
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