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.

From Q2 2025 to Q2 2026, the score rose 3 points (76 → 79), mostly because the earnings component improved by 11 points.

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

Yes. Oostburg State Bank is an FDIC-insured institution (FDIC certificate #10380). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 21.3% of deposits ($82.5M) 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 11.64%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.38% (benchmark: 10%).

Check how much of your own balance is covered

Oostburg State Bank lists 3 offices in 3 cities. Most locations:

• Cedar Grove, WI (1)
• Oostburg, WI (1)
• Sheboygan Falls, WI (1)

All branch addresses and map

In 2025, Oostburg State Bank reported 185 home-loan applications under HMDA (LEI 254900UDJNXYZSDOKI36): 172 originated ($35,750,000 total), 2 denied, and 7 withdrawn or closed by the applicant. Its denial rate on decided applications was 1.1%, 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.

Legal name

Oostburg State Bank

Type

State-chartered bank

FDIC certificate #

10380

RSSD ID

248745

Primary regulator

FDIC

Holding company

Oostburg Bcorp Inc

Established

March 1, 1908

Headquarters

905 Center Ave, Oostburg, WI 53070

Website

www.oostburgstate.bank

Employees

57