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State Bank of Reeseville

$100M-$1B Specialty: Agricultural WI FDIC cert 14960

Reeseville, WI

3 branches across WI

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 110 in WI.
  • Deposits +12.3% year over year ($139.6M on the books).
  • Delinquency rate 0.01%.
  • Return on assets 0.79%.
  • Efficiency ratio 82.39% vs a 64.48% peer average.
  • Loan-to-deposit ratio 66.09% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 110 in WI
View $100M-$1B leaderboard (WI) →

State Bank of Reeseville has 1 strength but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Credit Quality Leader: Top 20.5% in tier

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 1.4% in tier
  • - Net Interest Margin 1.45% below tier average
  • - Non-Interest Income / Assets 0.51% below tier average
  • - ROA 0.53% below tier average
  • - Efficiency Ratio 17.91% above tier average
Get updates when State Bank of Reeseville releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Total Assets ? $169.5M
+13.0% YoY +7.4% QoQ
-$217.1M $386.6M
+1.2% YoY
$1.2B
+13.5% YoY
$6.3B
+7.7% YoY
19%
Total Loans ? $92.3M
+25.9% YoY +12.1% QoQ
-$166.1M $258.3M
+1.7% YoY
$860.4M
+13.3% YoY
$3.2B
+9.4% YoY
16%
Total Deposits ? $139.6M
+12.3% YoY +5.4% QoQ
-$187.1M $326.7M
+0.7% YoY
$935.5M
+13.1% YoY
$4.9B
+7.3% YoY
18%
Return on Assets ? 0.79%
+71.2% YoY -18.5% QoQ
-0.53% 1.32%
+10.8% YoY
1.56%
+18.6% YoY
1.30%
+12.1% YoY
23%
Net Interest Margin ? 2.54%
+7.8% YoY +1.1% QoQ
-1.45% 3.99%
+5.0% YoY
3.83%
+8.5% YoY
3.95%
+4.9% YoY
Bottom 3.1% in tier
Efficiency Ratio ? 82.39%
+2.9% YoY -10.5% QoQ
+17.91% 64.48%
-3.2% YoY
62.90%
-5.1% YoY
70.05%
+2.5% YoY
Bottom 11.6% in tier
Delinquency Rate ? 0.01% -0.91% 0.92%
+15.7% YoY
0.85%
+12.5% YoY
0.98%
+16.3% YoY
Top 13.6% in tier
Loan-to-Deposit Ratio ? 66.09%
+12.1% YoY +6.3% QoQ
-11.86% 77.95%
+1.0% YoY
87.22%
+0.9% YoY
79.03%
+2.3% YoY
75%
Non-Interest-Bearing Deposit Share ? 16.26%
-5.6% YoY -9.3% QoQ
-5.77% 22.03%
-0.6% YoY
18.65%
-1.9% YoY
21.98%
-0.6% YoY
29%
Nonperforming Asset Ratio ? 0.00% -0.66% 0.67%
+16.4% YoY
0.63%
+16.4% YoY
0.69%
+15.8% YoY
Top 12.2% in tier
Tier 1 Capital Ratio ? 9.58%
-1.9% YoY +2.4% QoQ
-6.33% 15.91%
+1.4% YoY
15.02%
+1.5% YoY
17.09%
+0.8% YoY
Bottom 5.8% in tier
Non-Interest Income / Assets ? 0.05%
+12.7% YoY +96.9% QoQ
-0.51% 0.57%
+7.6% YoY
2.21%
+12.7% YoY
0.66%
+5.2% YoY
Bottom 6.5% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Noninterest-Bearing 16.3%
-1.0pp YoY
-1.7pp QoQ
 -5.9pp 22.1% 18.9% 22.2% 28%
Brokered Deposits 42.6%
+5.8pp YoY
+2.6pp QoQ
 +34.7pp 7.9% 9.2% 8.5% 99%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
C&I 30.2%
+5.5pp YoY
+5.0pp QoQ
 +18.7pp 11.6% 10.5% 12.5% 96%
CRE 7.1%
+2.1pp YoY
0.0pp QoQ
 -32.4pp 39.5% 46.4% 41.4% 2%
1-4 Family 17.7%
-2.2pp YoY
-1.5pp QoQ
 -14.9pp 32.6% 32.3% 31.3% 25%
Consumer 3.0%
-0.5pp YoY
-0.3pp QoQ
 -1.1pp 4.1% 2.6% 5.0% 60%

Capital

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 15.5% 19.7% n/a
Leverage Ratio 9.6%
-0.2pp YoY
+0.2pp QoQ
 -2.6pp 12.2% 12.6% 12.6% 23%
Total Capital Ratio n/a n/a 19.9% 16.6% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Full-Time Employees 16
0 YoY
+3 (+23.1%) QoQ
 -43 58 134 482 5%
Assets per Employee ($) $10.6M
+13.0% YoY
-12.8% QoQ
 +$3.1M $7.5M $8.2M $8.8M 89%
Branch Count 3
0 YoY
0 QoQ
 -2 4 9 18 26%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Past Due 90+ Days 0.0% -0.3pp 0.3% 0.4% 0.4% 15%
Nonaccrual n/a n/a 0.9% 0.9% 1.0% n/a
Allowance Coverage 75.57x +51.42x 24.15x 56.89x 20.23x 96%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
 -0.1pp 0.1% 0.0% 0.2% 57%

Profitability

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
ROE 10.4%
+3.7pp YoY
-2.6pp QoQ
 -1.8pp 12.2% 11.8% 11.6% 39%
Cost of Funds (YTD) 2.9%
0.0pp YoY
0.0pp QoQ
 +1.2pp 1.7% 1.8% 1.7% 96%
Net Income ($, YTD) $655,000
+86.1% YoY
— QoQ
 -$1.9M $2.6M $7.9M $40.4M 15%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Credit Quality Leader

growth
#136 of 659 • Top 20.5% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.01%
(Tier: 0.92%, National: 0.98%)
better than tier avg
659 of 659 Community banks match · 920 nationally
→ Stable +1 banks QoQ | QoQ rank improving

Concerns (1)

Credit Quality Pressure

risk
#19 of 1256 • Bottom 1.4% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.01%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

324
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.67%
#324 of 2643 Top 12.2% in $100M-$1B
360
Delinquency Rate
credit_quality
Value: 0.01%
Peer Median: 0.92%
#360 of 2633 Top 13.6% in $100M-$1B
657
Loan-to-Deposit Ratio
liquidity
Value: 66.09%
Peer Median: 77.95%
#657 of 2643 Top 24.8% in $100M-$1B

Top Weaknesses (8 metrics)

2561
Net Interest Margin
profitability
Value: 2.54%
Peer Median: 3.99%
#2561 of 2643 Bottom 3.1% in $100M-$1B
2491
Tier 1 Capital Ratio
capital
Value: 9.58%
Peer Median: 15.91%
#2491 of 2643 Bottom 5.8% in $100M-$1B
2473
Non-Interest Income / Assets
revenue_mix
Value: 0.05%
Peer Median: 0.57%
#2473 of 2643 Bottom 6.5% in $100M-$1B
2337
Efficiency Ratio
profitability
Value: 82.39%
Peer Median: 64.48%
#2337 of 2643 Bottom 11.6% in $100M-$1B
2228
Total Loans
size
Value: $92.28M
Peer Median: $258.35M
#2228 of 2643 Bottom 15.7% in $100M-$1B
2161
Total Deposits
size
Value: $139.63M
Peer Median: $326.73M
#2161 of 2643 Bottom 18.3% in $100M-$1B
2140
Total Assets
size
Value: $169.50M
Peer Median: $386.57M
#2140 of 2643 Bottom 19.1% in $100M-$1B
2039
Return on Assets
profitability
Value: 0.79%
Peer Median: 1.32%
#2039 of 2643 Bottom 22.9% in $100M-$1B
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