TellerScore

Clare Bank, National Association is a national bank headquartered in Platteville, Wisconsin, in business for about 121 years. At the end of Q2 2026 it reported $332.5M in total assets and $276.0M in deposits, with 8 offices.

Clare Bank, National Association has a TellerScore of 72 out of 100 (strong) based on Q2 2026 data — higher than 50% of its 2,650 banks with $100 million – $1 billion. Among 154 banks headquartered in Wisconsin, it ranks 81st. Problem-loan coverage contributes the most (91/100, 4.7%); earnings contributes the least (61/100, 1.03%).

TellerScore · Q2 2026

Scorecard

Capital cushion66/100
Tier 1 leverage ratio: 11.64%
Loan quality72/100
Noncurrent loans ÷ total loans: 0.85%
Earnings61/100
Return on assets (annualized): 1.03%
Funding & liquidity88/100
Loans ÷ deposits and uninsured-deposit share: 63.9% · 22.5% uninsured
Problem-loan coverage91/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 4.72%

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 fell 2 points (74 → 72), mostly because the earnings component improved by 16 points.

TellerScore
646974Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202464
Q3 202465
Q4 202467
Q1 202571
Q2 202574
Q3 202573
Q4 202571
Q1 202672
Q2 202672
Tier 1 leverage ratio
5.00%8.39%11.79%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTier 1 leverage ratio
Q2 202411.30%
Q3 202411.21%
Q4 202411.54%
Q1 202511.49%
Q2 202511.78%
Q3 202511.79%
Q4 202511.53%
Q1 202611.29%
Q2 202611.64%
Noncurrent loans
0.52%0.69%0.85%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNoncurrent loans
Q2 20240.84%
Q3 20240.74%
Q4 20240.62%
Q1 20250.56%
Q2 20250.52%
Q3 20250.61%
Q4 20250.69%
Q1 20260.68%
Q2 20260.85%
Return on assets
0.02%0.53%1.03%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.02%
Q3 20240.07%
Q4 20240.13%
Q1 20250.52%
Q2 20250.63%
Q3 20250.70%
Q4 20250.74%
Q1 20260.96%
Q2 20261.03%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202672$332.5M11.64%0.85%1.03%63.9%
Q1 202672$342.8M11.29%0.68%0.96%60.0%
Q4 202571$349.3M11.53%0.69%0.74%59.1%
Q3 202573$319.8M11.79%0.61%0.70%61.5%
Q2 202574$321.0M11.78%0.52%0.63%59.1%
Q1 202571$322.5M11.49%0.56%0.52%57.3%
Q4 202467$326.6M11.54%0.62%0.13%56.1%
Q3 202465$311.8M11.21%0.74%0.07%55.5%
Q2 202464$312.9M11.30%0.84%0.02%52.8%

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 ratio11.64%
60th
Total risk-based capital24.71%
93rd
Problem loans0.85%
32nd
Net charge-offs-0.01%
90th
Return on assets1.03%
36th
Net interest margin2.43%
3rd
Efficiency ratio56.9%
66th
Loans to deposits63.9%
78th
Uninsured deposits22.5%
55th
Loan-loss reserves0.49%
3rd
Texas ratio4.7%
37th

Similar-size banks in Wisconsin

InstitutionScoreAssetsCapitalProblem loansCompare
Northern State BankBank Ashland, WI78 out of 100, Strong$330.8M9.9%0.22%vs
State Bank of NewburgBank Newburg, WI93 out of 100, Very strong$328.1M17.3%0.00%vs
The Equitable Bank, S.S.B.Bank Wauwatosa, WI64 out of 100, Moderate$327.1M9.7%0.05%vs
Bank of AlmaBank Alma, WI83 out of 100, Strong$339.5M50.8%0.97%vs
The First National Bank of River FallsBank River Falls, WI75 out of 100, Strong$325.3M10.1%0.38%vs
Cumberland Federal Bank, FSBBank Cumberland, WI78 out of 100, Strong$341.6M10.1%0.19%vs

Deposit insurance

Is my money safe at Clare Bank, National Association?

Yes. Clare Bank, National Association is an FDIC-insured institution (FDIC certificate #1022). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 22.5% of deposits ($62.0M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.64%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 24.71% (benchmark: 10%).

Check how much of your own balance is covered

8 locations

Branches

Clare Bank, National Association lists 8 offices in 8 cities. Most locations:

  • Bloomington, WI (1)
  • Boscobel, WI (1)
  • Fennimore, WI (1)
  • Jamestown Township, WI (1)
  • Montfort, WI (1)
  • Muscoda, WI (1)
  • Platteville, WI (1)
  • Shullsburg, WI (1)

All branch addresses and map

Identity & history

Profile

Legal name
Clare Bank, National Association
Former names
State National Bank of Platteville
Type
National bank
FDIC certificate #
1022
RSSD ID
988144
Primary regulator
OCC
Holding company
Montfort Bcorp Inc
Established
October 28, 1905
Headquarters
345 W Pine St, Platteville, WI 53818
Employees
40

Quick answers

Clare Bank, National Association: common questions

Is Clare Bank, National Association FDIC insured?

Yes. Clare Bank, National Association is an FDIC-insured institution (FDIC certificate #1022). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Clare Bank, National Association's TellerScore?

72 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 Clare Bank, National Association ever failed?

There is no failure record for FDIC certificate #1022 in the FDIC failed bank list.

How many branches does Clare Bank, National Association have?

8 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Platteville

InstitutionScoreAssetsCapitalProblem loansCompare
Dubuque Postal Employees Credit UnionCredit union Dubuque, IA92 out of 100, Very strong$4.3M15.3%0.00%vs
The Peoples Community BankBank Mazomanie, WI87 out of 100, Very strong$388.8M12.8%0.14%vs
Mound City BankBank Platteville, WI86 out of 100, Very strong$550.7M13.1%0.11%vs
Conservation First BankBank Benton, WI82 out of 100, Strong$127.5M14.0%0.74%vs
Peoples State BankBank Prairie Du Chien, WI80 out of 100, Strong$993.0M11.5%0.21%vs
Royal BankBank Elroy, WI79 out of 100, Strong$816.1M10.5%0.06%vs