TellerScore

Bank of Luxemburg is a state-chartered bank headquartered in Luxemburg, Wisconsin, in business for about 123 years. At the end of Q2 2026 it reported $723.4M in total assets and $627.2M in deposits, with 9 offices.

Based on its Q2 2026 filing, Bank of Luxemburg scores 68/100, which we describe as moderate. That is higher than only 37% of 2,650 banks with $100 million – $1 billion. Among 154 banks headquartered in Wisconsin, it ranks 102nd. Its strongest component is problem-loan coverage (97/100; 1.5%), and its lowest is capital cushion (46/100; 9.64%).

TellerScore · Q2 2026

Scorecard

Capital cushion46/100
Tier 1 leverage ratio: 9.64%
Loan quality94/100
Noncurrent loans ÷ total loans: 0.18%
Earnings52/100
Return on assets (annualized): 0.80%
Funding & liquidity70/100
Loans ÷ deposits and uninsured-deposit share: 88.0% · 17.1% uninsured
Problem-loan coverage97/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.51%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (69 → 68).

TellerScore
636771Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202468
Q3 202468
Q4 202466
Q1 202568
Q2 202569
Q3 202563
Q4 202571
Q1 202667
Q2 202668
Tier 1 leverage ratio
5.00%7.32%9.64%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.03%
Q3 20249.01%
Q4 20248.92%
Q1 20259.12%
Q2 20259.17%
Q3 20259.13%
Q4 20259.31%
Q1 20269.39%
Q2 20269.64%
Noncurrent loans
0.02%0.34%0.66%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.02%
Q3 20240.04%
Q4 20240.04%
Q1 20250.07%
Q2 20250.04%
Q3 20250.66%
Q4 20250.04%
Q1 20260.13%
Q2 20260.18%
Return on assets
0.61%0.86%1.11%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.79%
Q3 20240.80%
Q4 20240.61%
Q1 20250.78%
Q2 20250.94%
Q3 20250.99%
Q4 20251.11%
Q1 20260.63%
Q2 20260.80%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202668$723.4M9.64%0.18%0.80%88.0%
Q1 202667$724.9M9.39%0.13%0.63%85.9%
Q4 202571$716.3M9.31%0.04%1.11%85.8%
Q3 202563$719.5M9.13%0.66%0.99%86.6%
Q2 202569$708.2M9.17%0.04%0.94%85.2%
Q1 202568$673.8M9.12%0.07%0.78%85.7%
Q4 202466$675.9M8.92%0.04%0.61%85.0%
Q3 202468$675.5M9.01%0.04%0.80%85.4%
Q2 202468$661.1M9.03%0.02%0.79%86.3%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.64%
24th
Total risk-based capital12.24%
53rd
Problem loans0.18%
67th
Net charge-offs0.02%
40th
Return on assets0.80%
23rd
Net interest margin3.86%
46th
Efficiency ratio73.3%
23rd
Loans to deposits88.0%
31st
Uninsured deposits17.1%
75th
Loan-loss reserves0.90%
17th
Texas ratio1.5%
63rd

Similar-size banks in Wisconsin

InstitutionScoreAssetsCapitalProblem loansCompare
Northwestern BankBank Chippewa Falls, WI80 out of 100, Strong$725.6M11.2%0.03%vs
Dairy State BankBank Rice Lake, WI80 out of 100, Strong$730.3M12.0%0.06%vs
Woodtrust BankBank Wisconsin Rapids, WI68 out of 100, Moderate$734.8M10.9%1.33%vs
Chippewa Valley BankBank Hayward, WI74 out of 100, Strong$735.8M8.7%0.22%vs
Bank of Prairie du SacBank Prairie Du Sac, WI88 out of 100, Very strong$744.5M13.7%0.00%vs
Fortifi BankBank Berlin, WI58 out of 100, Moderate$750.4M12.6%2.40%vs

Deposit insurance

Is my money safe at Bank of Luxemburg?

Yes. Bank of Luxemburg is an FDIC-insured institution (FDIC certificate #13264). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 17.1% of deposits ($107.2M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.64%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.24% (benchmark: 10%).

Check how much of your own balance is covered

9 locations

Branches

Bank of Luxemburg lists 9 offices in 8 cities. Most locations:

  • Green Bay, WI (2)
  • Algoma, WI (1)
  • Casco, WI (1)
  • Dyckesville, WI (1)
  • Fish Creek, WI (1)
  • Kewaunee, WI (1)
  • Luxemburg, WI (1)
  • Sturgeon Bay, WI (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Bank of Luxemburg reported 204 home-loan applications under HMDA (LEI 5493005JOVFFHEU5TF17): 166 originated ($50,250,000 total), 14 denied, and 17 withdrawn or closed by the applicant. Its denial rate on decided applications was 7.5%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Bank of Luxemburg
Type
State-chartered bank
FDIC certificate #
13264
RSSD ID
580548
Primary regulator
FDIC
Holding company
Luxemburg Bancshares Inc
Established
October 3, 1903
Headquarters
630 Main St, Luxemburg, WI 54217
Employees
111

Quick answers

Bank of Luxemburg: common questions

Is Bank of Luxemburg FDIC insured?

Yes. Bank of Luxemburg is an FDIC-insured institution (FDIC certificate #13264). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Bank of Luxemburg's TellerScore?

68 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Bank of Luxemburg ever failed?

There is no failure record for FDIC certificate #13264 in the FDIC failed bank list.

How many branches does Bank of Luxemburg have?

9 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Luxemburg

InstitutionScoreAssetsCapitalProblem loansCompare
North Shore BankBank Brookfield, WI84 out of 100, Strong$2.6B14.4%0.10%vs
Service Credit UnionCredit union Green Bay, WI84 out of 100, Strong$13.3M22.1%0.03%vs
Community First Credit UnionCredit union Appleton, WI84 out of 100, Strong$6.8B12.8%0.14%vs
Range BankBank Marquette, MI80 out of 100, Strong$604.1M10.8%0.03%vs
Wisconsin Medical Credit UnionCredit union Green Bay, WI79 out of 100, Strong$15.9M12.4%0.21%vs
Fox Communities Credit UnionCredit union Appleton, WI73 out of 100, Strong$3.4B10.9%0.29%vs