Johnson Bank is a state-chartered bank (fed member) headquartered in Racine, Wisconsin, in business for about 56 years. At the end of Q2 2026 it reported $7.1B in total assets and $5.6B in deposits, with 32 offices.
Johnson Bank has a TellerScore of 73 out of 100 (strong) based on Q2 2026 data — higher than 70% of its 897 banks with $1 billion – $10 billion. Among 154 banks headquartered in Wisconsin, it ranks 75th. Problem-loan coverage contributes the most (97/100, 1.3%); funding & liquidity contributes the least (28/100, 94% loans-to-deposits, 49% uninsured).
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 6 points (67 → 73), mostly because the earnings component improved by 16 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 73 |
| Q3 2024 | 69 |
| Q4 2024 | 71 |
| Q1 2025 | 72 |
| Q2 2025 | 67 |
| Q3 2025 | 69 |
| Q4 2025 | 71 |
| Q1 2026 | 74 |
| Q2 2026 | 73 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 12.41% |
| Q3 2024 | 12.24% |
| Q4 2024 | 12.39% |
| Q1 2025 | 12.53% |
| Q2 2025 | 11.78% |
| Q3 2025 | 11.98% |
| Q4 2025 | 11.96% |
| Q1 2026 | 12.47% |
| Q2 2026 | 12.33% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.16% |
| Q3 2024 | 0.36% |
| Q4 2024 | 0.18% |
| Q1 2025 | 0.21% |
| Q2 2025 | 0.35% |
| Q3 2025 | 0.34% |
| Q4 2025 | 0.28% |
| Q1 2026 | 0.28% |
| Q2 2026 | 0.23% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.01% |
| Q3 2024 | 0.94% |
| Q4 2024 | 0.90% |
| Q1 2025 | 1.05% |
| Q2 2025 | 0.91% |
| Q3 2025 | 1.02% |
| Q4 2025 | 1.07% |
| Q1 2026 | 1.24% |
| Q2 2026 | 1.30% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 73 | $7.1B | 12.33% | 0.23% | 1.30% | 94.2% |
| Q1 2026 | 74 | $7.0B | 12.47% | 0.28% | 1.24% | 89.3% |
| Q4 2025 | 71 | $7.2B | 11.96% | 0.28% | 1.07% | 86.7% |
| Q3 2025 | 69 | $7.1B | 11.98% | 0.34% | 1.02% | 92.3% |
| Q2 2025 | 67 | $7.0B | 11.78% | 0.35% | 0.91% | 96.2% |
| Q1 2025 | 72 | $6.8B | 12.53% | 0.21% | 1.05% | 95.9% |
| Q4 2024 | 71 | $6.7B | 12.39% | 0.18% | 0.90% | 92.5% |
| Q3 2024 | 69 | $6.6B | 12.24% | 0.36% | 0.94% | 95.2% |
| Q2 2024 | 73 | $6.4B | 12.41% | 0.16% | 1.01% | 93.6% |
897 peers · $1 billion – $10 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 |
|---|---|---|---|---|---|
| Bank First, N.A.Bank Manitowoc, WI | 68 out of 100, Moderate | $5.9B | 9.3% | 0.56% | vs |
| John Deere Financial, f.s.b.Bank Middleton, WI | 82 out of 100, Strong | $4.9B | 19.4% | 0.27% | vs |
| Town Bank, National AssociationBank Hartland, WI | 70 out of 100, Strong | $4.7B | 9.7% | 0.22% | vs |
| First Business BankBank Madison, WI | 63 out of 100, Moderate | $4.4B | 10.4% | 1.06% | vs |
| Lake Ridge BankBank Middleton, WI | 68 out of 100, Moderate | $3.4B | 10.0% | 0.34% | vs |
| National Exchange Bank and TrustBank Fond Du Lac, WI | 88 out of 100, Very strong | $2.9B | 20.1% | 0.37% | vs |
Deposit insurance
Is my money safe at Johnson Bank?
Yes. Johnson Bank is an FDIC-insured institution (FDIC certificate #20296). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 49.0% of deposits ($2.8B) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 12.33%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 16.87% (benchmark: 10%).
32 locations
Branches
Johnson Bank lists 32 offices in 23 cities. Most locations:
- Kenosha, WI (4)
- Racine, WI (4)
- Janesville, WI (2)
- Madison, WI (2)
- Milwaukee, WI (2)
- Appleton, WI (1)
- Brookfield, WI (1)
- Burlington, WI (1)
- Delafield, WI (1)
- De Pere, WI (1)
- Fort Atkinson, WI (1)
- Franklin, WI (1)
HMDA 2025
Mortgage lending
In 2025, Johnson Bank reported 3,893 home-loan applications under HMDA (LEI IWRZQFYIRJ0IMURZBB68): 3,194 originated ($1,181,400,000 total), 290 denied, and 157 withdrawn or closed by the applicant. Its denial rate on decided applications was 7.8%, 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
- Johnson Bank
- Former names
- Heritage Bank and Trust; Heritage Bank
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 20296
- RSSD ID
- 58243
- Primary regulator
- FED
- Holding company
- Johnson Financial Group Inc
- Established
- November 12, 1970
- Headquarters
- 555 Main St, Racine, WI 53403
- Employees
- 778
Quick answers
Johnson Bank: common questions
Is Johnson Bank FDIC insured?
Yes. Johnson Bank is an FDIC-insured institution (FDIC certificate #20296). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Johnson Bank's TellerScore?
73 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 Johnson Bank ever failed?
There is no failure record for FDIC certificate #20296 in the FDIC failed bank list.
How many branches does Johnson Bank have?
32 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Racine
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Ferko Md Federal Credit UnionCredit union Frederick, MD | 94 out of 100, Very strong | $30.1M | 19.4% | 0.58% | vs |
| Rome Kraft Employees Credit UnionCredit union Coosa, GA | 89 out of 100, Very strong | $23.0M | 24.7% | 0.49% | vs |
| Peoria Fire Fighters Credit UnionCredit union Peoria, IL | 87 out of 100, Very strong | $4.6M | 28.2% | 0.00% | vs |
| Flexpak Federal Credit UnionCredit union Woods Cross, UT | 87 out of 100, Very strong | $1.9M | 19.9% | 0.00% | vs |
| 1st Class Express Credit UnionCredit union Waukesha, WI | 86 out of 100, Very strong | $2.1M | 22.9% | 0.30% | vs |
| Lco Federal Credit UnionCredit union Hayward, WI | 85 out of 100, Very strong | $2.9M | 13.7% | 0.32% | vs |