TellerScore

Headquartered in New London, Wisconsin, First State Bank is a state-chartered bank with $558.1M in total assets and $449.8M in deposits as of Q2 2026. It operates 8 offices. Its charter dates back to 1911.

Based on its Q2 2026 filing, First State Bank scores 69/100, which we describe as moderate. That is higher than only 40% of 2,650 banks with $100 million – $1 billion. Among 154 banks headquartered in Wisconsin, it ranks 92nd. Its strongest component is problem-loan coverage (98/100; 0.9%), and its lowest is capital cushion (48/100; 9.80%).

TellerScore · Q2 2026

Scorecard

Capital cushion48/100
Tier 1 leverage ratio: 9.80%
Loan quality96/100
Noncurrent loans ÷ total loans: 0.12%
Earnings53/100
Return on assets (annualized): 0.83%
Funding & liquidity68/100
Loans ÷ deposits and uninsured-deposit share: 87.1% · 19.5% uninsured
Problem-loan coverage98/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.87%

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 (68 → 69).

TellerScore
646769Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202467
Q3 202469
Q4 202469
Q1 202564
Q2 202568
Q3 202569
Q4 202568
Q1 202668
Q2 202669
Tier 1 leverage ratio
5.00%7.45%9.91%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.12%
Q3 20249.50%
Q4 20249.49%
Q1 20259.51%
Q2 20259.68%
Q3 20259.91%
Q4 20259.82%
Q1 20269.71%
Q2 20269.80%
Noncurrent loans
0.07%0.10%0.13%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.12%
Q3 20240.08%
Q4 20240.08%
Q1 20250.08%
Q2 20250.07%
Q3 20250.08%
Q4 20250.08%
Q1 20260.13%
Q2 20260.12%
Return on assets
0.02%0.42%0.83%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.54%
Q3 20240.63%
Q4 20240.62%
Q1 20250.02%
Q2 20250.48%
Q3 20250.57%
Q4 20250.65%
Q1 20260.68%
Q2 20260.83%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202669$558.1M9.80%0.12%0.83%87.1%
Q1 202668$553.6M9.71%0.13%0.68%83.8%
Q4 202568$564.4M9.82%0.08%0.65%83.0%
Q3 202569$522.9M9.91%0.08%0.57%80.0%
Q2 202568$523.0M9.68%0.07%0.48%76.3%
Q1 202564$523.5M9.51%0.08%0.02%73.4%
Q4 202469$535.6M9.49%0.08%0.62%74.2%
Q3 202469$529.5M9.50%0.08%0.63%73.5%
Q2 202467$528.8M9.12%0.12%0.54%73.7%

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 ratio9.80%
27th
Total risk-based capital0.00%
24th
Problem loans0.12%
72nd
Net charge-offs0.02%
39th
Return on assets0.83%
25th
Net interest margin3.88%
47th
Efficiency ratio71.4%
27th
Loans to deposits87.1%
32nd
Uninsured deposits19.5%
66th
Loan-loss reserves1.01%
27th
Texas ratio0.9%
71st

Similar-size banks in Wisconsin

InstitutionScoreAssetsCapitalProblem loansCompare
Northwestern Mutual Wealth ManagementBank Milwaukee, WI93 out of 100, Very strong$557.7M55.0%0.00%vs
Premier Community BankBank Marion, WI57 out of 100, Moderate$552.1M8.5%0.85%vs
Capitol BankBank Madison, WI79 out of 100, Strong$565.3M12.4%0.02%vs
Mound City BankBank Platteville, WI86 out of 100, Very strong$550.7M13.1%0.11%vs
Baraboo State BankBank Baraboo, WI84 out of 100, Strong$569.6M11.7%0.01%vs
Unity BankBank Augusta, WI27 out of 100, Low$574.8M8.8%8.39%vs

Deposit insurance

Is my money safe at First State Bank?

Yes. First State Bank is an FDIC-insured institution (FDIC certificate #15271). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 19.5% of deposits ($87.7M) 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 9.80%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

8 locations

Branches

First State Bank lists 8 offices in 8 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
First State Bank
Former names
The First State Bank of New London, Wis.
Type
State-chartered bank
FDIC certificate #
15271
RSSD ID
801047
Primary regulator
FDIC
Holding company
First State Bancshares Inc
Established
January 1, 1911
Headquarters
220 W Waupaca St, New London, WI 54961
Employees
94

Quick answers

First State Bank: common questions

Is First State Bank FDIC insured?

Yes. First State Bank is an FDIC-insured institution (FDIC certificate #15271). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First State Bank's TellerScore?

69 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 First State Bank ever failed?

There is no failure record for FDIC certificate #15271 in the FDIC failed bank list.

How many branches does First State Bank have?

8 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near New London

InstitutionScoreAssetsCapitalProblem loansCompare
Thrivent Trust CompanyBank Appleton, WI93 out of 100, Very strong$15.5M82.7%0.00%vs
Winnebago Community Credit UnionCredit union Oshkosh, WI85 out of 100, Very strong$176.1M13.8%0.13%vs
Community First Credit UnionCredit union Appleton, WI84 out of 100, Strong$6.8B12.8%0.14%vs
The Farmers State Bank of WaupacaBank Waupaca, WI84 out of 100, Strong$279.5M11.6%0.00%vs
North Shore BankBank Brookfield, WI84 out of 100, Strong$2.6B14.4%0.10%vs
American National Bank - Fox CitiesBank Appleton, WI84 out of 100, Strong$432.6M13.6%0.00%vs