TellerScore

Headquartered in Brookfield, Wisconsin, Spring Bank is a state-chartered bank with $440.7M in total assets and $332.3M in deposits as of Q2 2026. It operates 1 office. Its charter dates back to 2008.

Based on its Q2 2026 filing, Spring Bank scores 51/100, which we describe as below average. That is higher than only 8% of 2,650 banks with $100 million – $1 billion. Among 154 banks headquartered in Wisconsin, it ranks 143rd. Its strongest component is earnings (81/100; 1.54%), and its lowest is loan quality (10/100; 2.70%).

TellerScore · Q2 2026

Scorecard

Capital cushion66/100
Tier 1 leverage ratio: 11.57%
Loan quality10/100
Noncurrent loans ÷ total loans: 2.70%
Earnings81/100
Return on assets (annualized): 1.54%
Funding & liquidity39/100
Loans ÷ deposits and uninsured-deposit share: 109.7% · 25.8% uninsured
Problem-loan coverage63/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 18.33%

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 (45 → 51), mostly because the earnings component improved by 16 points.

TellerScore
455972Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202471
Q3 202472
Q4 202447
Q1 202548
Q2 202545
Q3 202547
Q4 202546
Q1 202648
Q2 202651
Tier 1 leverage ratio
5.00%8.80%12.60%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202412.48%
Q3 202412.32%
Q4 202412.56%
Q1 202512.60%
Q2 202511.68%
Q3 202511.40%
Q4 202511.73%
Q1 202611.78%
Q2 202611.57%
Noncurrent loans
0.49%1.88%3.27%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.54%
Q3 20240.49%
Q4 20243.24%
Q1 20253.17%
Q2 20253.27%
Q3 20252.85%
Q4 20253.01%
Q1 20263.27%
Q2 20262.70%
Return on assets
1.01%1.27%1.54%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.01%
Q3 20241.05%
Q4 20241.01%
Q1 20251.12%
Q2 20251.12%
Q3 20251.19%
Q4 20251.25%
Q1 20261.47%
Q2 20261.54%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202651$440.7M11.57%2.70%1.54%109.7%
Q1 202648$441.9M11.78%3.27%1.47%111.2%
Q4 202546$433.8M11.73%3.01%1.25%114.3%
Q3 202547$428.6M11.40%2.85%1.19%107.6%
Q2 202545$417.4M11.68%3.27%1.12%110.7%
Q1 202548$398.4M12.60%3.17%1.12%110.4%
Q4 202447$378.0M12.56%3.24%1.01%109.3%
Q3 202472$376.6M12.32%0.49%1.05%104.6%
Q2 202471$376.2M12.48%0.54%1.01%106.2%

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 ratio11.57%
59th
Total risk-based capital0.00%
24th
Problem loans2.70%
7th
Net charge-offs0.00%
68th
Return on assets1.54%
67th
Net interest margin3.67%
35th
Efficiency ratio47.1%
88th
Loans to deposits109.7%
3rd
Uninsured deposits25.8%
43rd
Loan-loss reserves1.32%
65th
Texas ratio18.3%
7th

Similar-size banks in Wisconsin

InstitutionScoreAssetsCapitalProblem loansCompare
Oostburg State BankBank Oostburg, WI79 out of 100, Strong$440.2M11.6%0.13%vs
American National Bank - Fox CitiesBank Appleton, WI84 out of 100, Strong$432.6M13.6%0.00%vs
Bank of MaustonBank Mauston, WI96 out of 100, Very strong$426.7M14.8%0.19%vs
The Bank of BrodheadBank Brodhead, WI55 out of 100, Moderate$421.9M9.2%1.24%vs
BLC Community BankBank Little Chute, WI73 out of 100, Strong$475.5M10.2%0.02%vs
Forte BankBank Hartford, WI73 out of 100, Strong$404.5M10.6%0.06%vs

Deposit insurance

Is my money safe at Spring Bank?

Yes. Spring Bank is an FDIC-insured institution (FDIC certificate #58780). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 25.8% of deposits ($85.8M) 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 11.57%, well 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

1 location

Branches

Spring Bank lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Spring Bank
Type
State-chartered bank
FDIC certificate #
58780
RSSD ID
3721605
Primary regulator
FDIC
Established
August 28, 2008
Headquarters
16620 W Bluemound Rd Ste 100a, Brookfield, WI 53005
Employees
37

Quick answers

Spring Bank: common questions

Is Spring Bank FDIC insured?

Yes. Spring Bank is an FDIC-insured institution (FDIC certificate #58780). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Spring Bank's TellerScore?

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

Has Spring Bank ever failed?

There is no failure record for FDIC certificate #58780 in the FDIC failed bank list.

How many branches does Spring Bank have?

1 office as of the latest FDIC data.

Nearby

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Kbr Heritage Federal Credit UnionCredit union Houston, TX90 out of 100, Very strong$76.4M22.6%0.39%vs
First Citizens State BankBank Whitewater, WI90 out of 100, Very strong$525.2M18.0%0.00%vs
National Exchange Bank and TrustBank Fond Du Lac, WI88 out of 100, Very strong$2.9B20.1%0.37%vs