TellerScore

Headquartered in Bonduel, Wisconsin, Bonduel State Bank is a state-chartered bank with $132.1M in total assets and $113.1M in deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1906.

Based on its Q2 2026 filing, Bonduel State Bank scores 89/100, which we describe as very strong. That is higher than 94% of 2,650 banks with $100 million – $1 billion. Among 154 banks headquartered in Wisconsin, it ranks 11th. Its strongest component is loan quality (100/100; 0.01%), and its lowest is earnings (75/100; 1.37%).

TellerScore · Q2 2026

Scorecard

Capital cushion90/100
Tier 1 leverage ratio: 14.04%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.01%
Earnings75/100
Return on assets (annualized): 1.37%
Funding & liquidity82/100
Loans ÷ deposits and uninsured-deposit share: 78.5% · 12.6% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.04%

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 10 points (79 → 89), mostly because the loan quality component improved by 30 points.

TellerScore
788489Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202478
Q3 202479
Q4 202479
Q1 202583
Q2 202579
Q3 202584
Q4 202584
Q1 202686
Q2 202689
Tier 1 leverage ratio
5.00%9.61%14.21%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202414.21%
Q3 202414.11%
Q4 202413.84%
Q1 202514.09%
Q2 202513.92%
Q3 202514.09%
Q4 202513.73%
Q1 202613.72%
Q2 202614.04%
Noncurrent loans
0.01%0.45%0.90%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.80%
Q3 20240.67%
Q4 20240.63%
Q1 20250.61%
Q2 20250.90%
Q3 20250.51%
Q4 20250.32%
Q1 20260.30%
Q2 20260.01%
Return on assets
0.81%1.10%1.39%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.81%
Q3 20240.89%
Q4 20240.92%
Q1 20251.32%
Q2 20251.24%
Q3 20251.24%
Q4 20251.22%
Q1 20261.39%
Q2 20261.37%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202689$132.1M14.04%0.01%1.37%78.5%
Q1 202686$130.7M13.72%0.30%1.39%76.4%
Q4 202584$128.0M13.73%0.32%1.22%77.8%
Q3 202584$127.5M14.09%0.51%1.24%75.4%
Q2 202579$121.5M13.92%0.90%1.24%80.0%
Q1 202583$122.4M14.09%0.61%1.32%78.6%
Q4 202479$117.2M13.84%0.63%0.92%80.8%
Q3 202479$114.5M14.11%0.67%0.89%79.8%
Q2 202478$115.3M14.21%0.80%0.81%74.6%

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 ratio14.04%
82nd
Total risk-based capital22.46%
90th
Problem loans0.01%
86th
Net charge-offs0.00%
68th
Return on assets1.37%
57th
Net interest margin3.51%
28th
Efficiency ratio52.7%
78th
Loans to deposits78.5%
52nd
Uninsured deposits12.6%
88th
Loan-loss reserves0.85%
14th
Texas ratio0.0%
88th

Similar-size banks in Wisconsin

InstitutionScoreAssetsCapitalProblem loansCompare
KeySavings BankBank Wisconsin Rapids, WI68 out of 100, Moderate$129.5M9.4%0.07%vs
Security State BankBank Iron River, WI93 out of 100, Very strong$136.2M21.4%0.37%vs
Conservation First BankBank Benton, WI82 out of 100, Strong$127.5M14.0%0.74%vs
Headwaters State BankBank Land O' Lakes, WI47 out of 100, Below average$122.5M11.2%6.35%vs
River Falls State BankBank River Falls, WI77 out of 100, Strong$143.2M11.4%0.21%vs
Bank of CashtonBank Cashton, WI79 out of 100, Strong$146.1M10.9%0.00%vs

Deposit insurance

Is my money safe at Bonduel State Bank?

Yes. Bonduel State Bank is an FDIC-insured institution (FDIC certificate #11235). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 12.6% of deposits ($14.3M) 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 14.04%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 22.46% (benchmark: 10%).

Check how much of your own balance is covered

1 location

Branches

Bonduel State Bank lists 1 office in 1 city. Most locations:

  • Bonduel, WI (1)

All branch addresses and map

Identity & history

Profile

Legal name
Bonduel State Bank
Type
State-chartered bank
FDIC certificate #
11235
RSSD ID
35646
Primary regulator
FDIC
Holding company
Bonduel Bcorp Inc
Established
September 21, 1906
Headquarters
130 N Cecil St, Bonduel, WI 54107
Employees
14

Quick answers

Bonduel State Bank: common questions

Is Bonduel State Bank FDIC insured?

Yes. Bonduel State Bank is an FDIC-insured institution (FDIC certificate #11235). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Bonduel State Bank's TellerScore?

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

Has Bonduel State Bank ever failed?

There is no failure record for FDIC certificate #11235 in the FDIC failed bank list.

How many branches does Bonduel State Bank have?

1 office as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Bonduel

InstitutionScoreAssetsCapitalProblem loansCompare
North Shore BankBank Brookfield, WI84 out of 100, Strong$2.6B14.4%0.10%vs
Community First Credit UnionCredit union Appleton, WI84 out of 100, Strong$6.8B12.8%0.14%vs
Service Credit UnionCredit union Green Bay, WI84 out of 100, Strong$13.3M22.1%0.03%vs
Wolf River Community BankBank Hortonville, WI81 out of 100, Strong$385.8M12.4%0.05%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