Headquartered in Baraboo, Wisconsin, Baraboo State Bank is a state-chartered bank (fed member) with $569.6M in total assets and $490.4M in deposits as of Q2 2026. It operates 7 offices. Its charter dates back to 1857.
Based on its Q2 2026 filing, Baraboo State Bank scores 84/100, which we describe as strong. That is higher than 86% of 2,650 banks with $100 million – $1 billion. Among 154 banks headquartered in Wisconsin, it ranks 22nd. Its strongest component is loan quality (100/100; 0.01%), and its lowest is capital cushion (67/100; 11.70%).
TellerScore · Q2 2026
Scorecard
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
From Q2 2025 to Q2 2026, the score rose 2 points (82 → 84), mostly because the capital cushion component improved by 3 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 82 |
| Q3 2024 | 82 |
| Q4 2024 | 80 |
| Q1 2025 | 80 |
| Q2 2025 | 82 |
| Q3 2025 | 81 |
| Q4 2025 | 79 |
| Q1 2026 | 82 |
| Q2 2026 | 84 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.91% |
| Q3 2024 | 11.66% |
| Q4 2024 | 11.12% |
| Q1 2025 | 11.02% |
| Q2 2025 | 11.38% |
| Q3 2025 | 11.29% |
| Q4 2025 | 10.86% |
| Q1 2026 | 11.15% |
| Q2 2026 | 11.70% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.03% |
| Q3 2024 | 0.03% |
| Q4 2024 | 0.02% |
| Q1 2025 | 0.02% |
| Q2 2025 | 0.02% |
| Q3 2025 | 0.02% |
| Q4 2025 | 0.02% |
| Q1 2026 | 0.02% |
| Q2 2026 | 0.01% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.95% |
| Q3 2024 | 1.04% |
| Q4 2024 | 0.95% |
| Q1 2025 | 1.03% |
| Q2 2025 | 1.14% |
| Q3 2025 | 1.08% |
| Q4 2025 | 0.97% |
| Q1 2026 | 1.23% |
| Q2 2026 | 1.19% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 84 | $569.6M | 11.70% | 0.01% | 1.19% | 60.5% |
| Q1 2026 | 82 | $575.2M | 11.15% | 0.02% | 1.23% | 59.5% |
| Q4 2025 | 79 | $587.5M | 10.86% | 0.02% | 0.97% | 58.2% |
| Q3 2025 | 81 | $569.8M | 11.29% | 0.02% | 1.08% | 56.4% |
| Q2 2025 | 82 | $538.9M | 11.38% | 0.02% | 1.14% | 57.5% |
| Q1 2025 | 80 | $541.8M | 11.02% | 0.02% | 1.03% | 55.7% |
| Q4 2024 | 80 | $549.6M | 11.12% | 0.02% | 0.95% | 55.7% |
| Q3 2024 | 82 | $528.5M | 11.66% | 0.03% | 1.04% | 57.4% |
| Q2 2024 | 82 | $492.9M | 11.91% | 0.03% | 0.95% | 59.4% |
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).
Similar-size banks in Wisconsin
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Capitol BankBank Madison, WI | 79 out of 100, Strong | $565.3M | 12.4% | 0.02% | vs |
| Unity BankBank Augusta, WI | 27 out of 100, Low | $574.8M | 8.8% | 8.39% | vs |
| First State BankBank New London, WI | 69 out of 100, Moderate | $558.1M | 9.8% | 0.12% | vs |
| Northwestern Mutual Wealth ManagementBank Milwaukee, WI | 93 out of 100, Very strong | $557.7M | 55.0% | 0.00% | vs |
| PremierBankBank Fort Atkinson, WI | 70 out of 100, Strong | $583.9M | 9.8% | 0.24% | vs |
| Premier Community BankBank Marion, WI | 57 out of 100, Moderate | $552.1M | 8.5% | 0.85% | vs |
Deposit insurance
Is my money safe at Baraboo State Bank?
Yes. Baraboo State Bank is an FDIC-insured institution (FDIC certificate #12788). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 13.7% of deposits ($67.4M) 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 11.70%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 20.91% (benchmark: 10%).
7 locations
Branches
Baraboo State Bank lists 4 offices in 4 cities. Most locations:
- Baraboo, WI (1)
- Lake Delton, WI (1)
- Portage, WI (1)
- Reedsburg, WI (1)
HMDA 2025
Mortgage lending
In 2025, Baraboo State Bank reported 134 home-loan applications under HMDA (LEI 54930065PWY9N8KCRQ96): 92 originated ($22,480,000 total), 20 denied, and 20 withdrawn or closed by the applicant. Its denial rate on decided applications was 17.5%, 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
- Baraboo State Bank
- Former names
- The Baraboo National Bank
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 12788
- RSSD ID
- 24949
- Primary regulator
- FED
- Holding company
- Baraboo Bcorp Inc the
- Established
- July 1, 1857
- Headquarters
- 101 3rd Ave, Baraboo, WI 53913
- Website
- www.baraboobank.com
- Employees
- 95
Quick answers
Baraboo State Bank: common questions
Is Baraboo State Bank FDIC insured?
Yes. Baraboo State Bank is an FDIC-insured institution (FDIC certificate #12788). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Baraboo State Bank's TellerScore?
84 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Baraboo State Bank ever failed?
There is no failure record for FDIC certificate #12788 in the FDIC failed bank list.
How many branches does Baraboo State Bank have?
7 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Baraboo
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Bank of MaustonBank Mauston, WI | 96 out of 100, Very strong | $426.7M | 14.8% | 0.19% | vs |
| Oakdale Credit UnionCredit union Oakdale, WI | 95 out of 100, Very strong | $132.4M | 13.3% | 0.00% | vs |
| Bank of Prairie du SacBank Prairie Du Sac, WI | 88 out of 100, Very strong | $744.5M | 13.7% | 0.00% | vs |
| The Peoples Community BankBank Mazomanie, WI | 87 out of 100, Very strong | $388.8M | 12.8% | 0.14% | vs |
| Bank of Wisconsin DellsBank Wisconsin Dells, WI | 79 out of 100, Strong | $1.1B | 12.1% | 0.09% | vs |
| Royal BankBank Elroy, WI | 79 out of 100, Strong | $816.1M | 10.5% | 0.06% | vs |