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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Chilton, WI · FDIC certificate #12331
STATE BANK OF CHILTON is an FDIC-insured institution based in Chilton, WI (FDIC certificate #12331). In its Q3 2026 Call Report it reported total assets of $533M, total deposits of $446M and net loans of $446M. Its primary federal regulator is FDIC.
Plain-language readout
STATE BANK OF CHILTON has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $533M in Q3 2026 and were lowest at $513M in Q1 2026.
Total deposits were highest at $446M in Q3 2026 and lowest at $433M in Q1 2026.
Over the whole period total assets rose 4.0%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $533M | $446M | $446M | 2.51% | 20.01% | 4.43% |
| Q2 2026 | $517M | $436M | $431M | 2.40% | 19.15% | 4.39% |
| Q1 2026 | $513M | $433M | $418M | 2.50% | 20.06% | 4.28% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $32.3M | $46.6M | -$14.2M | -30.6% |
| Federal funds sold | $7.2M | $1.3M | +$5.9M | +443.8% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $32.9M | $33.4M | -$529K | -1.6% |
| Equity securities with readily determinable fair values, not held for trading | $71K | $59K | +$12K | +20.3% |
| Loans and leases held for sale | $0K | $10K | -$10K | -100.0% |
| Net loans and leases (after allowance) | $430.7M | $417.9M | +$12.8M | +3.1% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $3.9M | $4.0M | -$68K | -1.7% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $31K | -$31K | -100.0% |
| All other assets | $9.4M | $9.3M | +$174K | +1.9% |
| Total assets | $516.5M | $512.5M | +$4.0M | +0.8% |
| Liabilities | ||||
| Total deposits | $435.9M | $433.4M | +$2.5M | +0.6% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $13.4M | $13.4M | $0K | 0.0% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $1.6M | $1.5M | +$31K | +2.0% |
| Total liabilities | $450.9M | $448.3M | +$2.5M | +0.6% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $400K | $400K | $0K | 0.0% |
| Surplus | $18.6M | $18.6M | $0K | 0.0% |
| Retained earnings | $46.8M | $45.3M | +$1.5M | +3.2% |
| Accumulated other comprehensive income | -$161K | -$149K | -$12K | -8.1% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $65.6M | $64.2M | +$1.4M | +2.3% |
| Credit and capital | ||||
| Gross nonperforming assets | $2.5M | $2.4M | +$167K | +7.1% |
| Adjusted nonperforming assets | $2.5M | $2.4M | +$167K | +7.1% |
| Tangible equity plus allowance | $73.3M | $71.4M | +$1.9M | +2.6% |
| Texas ratio (gross) | 3.45% | 3.31% | +0.14 pts | See points |
| Texas ratio (adjusted) | 3.45% | 3.31% | +0.14 pts | See points |
| Texas ratio (adjusted, with performing restructured) | Not reported | 3.31% | Not reported | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 12.75% | 12.68% | +0.07 pts | See points |
| Construction and land loans to total capital | 30.61% | 34.63% | -4.02 pts | See points |
| Commercial real estate to total capital | 222.66% | 209.68% | +12.98 pts | See points |
| Dividend payout, year to date | 43.18% | 36.21% | +6.97 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -0.24% | -0.23% | -0.01 pts | See points |
| Liquidity | ||||
| Core deposits | $389.6M | $388.2M | +$1.4M | +0.4% |
| Non-core funding | $59.8M | $58.6M | +$1.1M | +1.9% |
| Loans to core deposits | 112.50% | 109.51% | +3.00 pts | See points |
| Loans to deposits | 100.54% | 98.08% | +2.46 pts | See points |
| Brokered deposits share of deposits | 0.03% | 0.00% | +0.03 pts | See points |
| Pledged securities share of securities | 62.11% | 63.24% | -1.13 pts | See points |
| Loans pledged, share of loans | 39.54% | 38.88% | +0.66 pts | See points |
| Volatile liabilities | $59.8M | $58.6M | +$1.1M | +1.9% |
| Earnings | ||||
| Earnings before provision, year to date | $6.6M | $3.2M | +$3.3M | +104.1% |
| Earnings before provision, single quarter | $3.3M | $3.2M | +$131K | +4.1% |
| Provision for credit losses, year to date | $650K | $250K | +$400K | +160.0% |
| Yield and cost | ||||
| Yield on loans and leases | 6.46% | 6.34% | +0.12 pts | See points |
| Yield on interest-bearing balances due from banks | 3.68% | 3.56% | +0.12 pts | See points |
| Total interest income to average assets | 5.99% | 5.80% | +0.19 pts | See points |
| Cost of interest-bearing transaction accounts | 1.83% | 1.77% | +0.06 pts | See points |
| Cost of savings and money market deposits | 1.47% | 1.44% | +0.03 pts | See points |
| Cost of time deposits | 3.69% | 3.74% | -0.05 pts | See points |
| Total interest expense to average assets | 1.67% | 1.67% | -0.00 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $533M | $446M | $446M | 2.51% | 20.01% | 4.43% |
| 2026-06-30 | $517M | $436M | $431M | 2.40% | 19.15% | 4.39% |
| 2026-03-31 | $513M | $433M | $418M | 2.50% | 20.06% | 4.28% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| WI | $405.6M | 0.20% | 77 | Continuing · -0.01 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.