TellerScore

State Bank Financial is a state-chartered bank (fed member) headquartered in La Crosse, Wisconsin, in business for about 168 years. At the end of Q2 2026 it reported $512.1M in total assets and $439.0M in deposits, with 5 offices.

State Bank Financial has a TellerScore of 73 out of 100 (strong) based on Q2 2026 data — higher than 53% of its 2,650 banks with $100 million – $1 billion. Among 154 banks headquartered in Wisconsin, it ranks 77th. Problem-loan coverage contributes the most (99/100, 0.7%); capital cushion contributes the least (49/100, 9.94%).

TellerScore · Q2 2026

Scorecard

Capital cushion49/100
Tier 1 leverage ratio: 9.94%
Loan quality96/100
Noncurrent loans ÷ total loans: 0.11%
Earnings70/100
Return on assets (annualized): 1.25%
Funding & liquidity66/100
Loans ÷ deposits and uninsured-deposit share: 78.5% · 29.4% uninsured
Problem-loan coverage99/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.73%

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 3 points (70 → 73), mostly because the earnings component improved by 10 points.

TellerScore
677073Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202470
Q3 202470
Q4 202468
Q1 202567
Q2 202570
Q3 202570
Q4 202572
Q1 202671
Q2 202673
Tier 1 leverage ratio
5.00%7.59%10.18%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.16%
Q3 202410.18%
Q4 20249.80%
Q1 20259.45%
Q2 20259.65%
Q3 20259.73%
Q4 20259.87%
Q1 20269.74%
Q2 20269.94%
Noncurrent loans
0.11%0.23%0.35%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.32%
Q3 20240.35%
Q4 20240.33%
Q1 20250.31%
Q2 20250.26%
Q3 20250.21%
Q4 20250.11%
Q1 20260.11%
Q2 20260.11%
Return on assets
0.83%1.04%1.25%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.97%
Q3 20241.00%
Q4 20241.02%
Q1 20250.83%
Q2 20250.99%
Q3 20251.08%
Q4 20251.21%
Q1 20261.08%
Q2 20261.25%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202673$512.1M9.94%0.11%1.25%78.5%
Q1 202671$537.1M9.74%0.11%1.08%72.2%
Q4 202572$519.8M9.87%0.11%1.21%80.1%
Q3 202570$517.5M9.73%0.21%1.08%73.3%
Q2 202570$503.0M9.65%0.26%0.99%70.1%
Q1 202567$512.9M9.45%0.31%0.83%70.8%
Q4 202468$482.8M9.80%0.33%1.02%77.0%
Q3 202470$487.6M10.18%0.35%1.00%68.3%
Q2 202470$448.8M10.16%0.32%0.97%74.5%

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 ratio9.94%
30th
Total risk-based capital14.65%
66th
Problem loans0.11%
73rd
Net charge-offs-0.03%
94th
Return on assets1.25%
50th
Net interest margin3.29%
19th
Efficiency ratio62.4%
50th
Loans to deposits78.5%
53rd
Uninsured deposits29.4%
30th
Loan-loss reserves0.87%
15th
Texas ratio0.7%
73rd

Similar-size banks in Wisconsin

InstitutionScoreAssetsCapitalProblem loansCompare
State Bank of ChiltonBank Chilton, WI80 out of 100, Strong$516.5M12.7%0.58%vs
Woodford State BankBank Monroe, WI66 out of 100, Moderate$523.4M8.1%0.36%vs
Coulee BankBank La Crosse, WI39 out of 100, Low$524.4M9.1%2.50%vs
First Citizens State BankBank Whitewater, WI90 out of 100, Very strong$525.2M18.0%0.00%vs
Bank of Lake MillsBank Lake Mills, WI74 out of 100, Strong$533.8M11.2%0.69%vs
Citizens State BankBank Hudson, WI66 out of 100, Moderate$488.2M10.0%0.43%vs

Deposit insurance

Is my money safe at State Bank Financial?

Yes. State Bank Financial is an FDIC-insured institution (FDIC certificate #10383). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 29.4% of deposits ($129.1M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.94%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.65% (benchmark: 10%).

Check how much of your own balance is covered

5 locations

Branches

State Bank Financial lists 5 offices in 4 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, State Bank Financial reported 103 home-loan applications under HMDA (LEI 549300H8LM6VPYEHWU46): 94 originated ($35,310,000 total), 0 denied, and 9 withdrawn or closed by the applicant. Its denial rate on decided applications was 0.0%, 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
State Bank Financial
Former names
State Bank of La Crosse; Bank of Sparta; First Bank of Sparta
Type
State-chartered bank (Fed member)
FDIC certificate #
10383
RSSD ID
2631172
Primary regulator
FED
Holding company
First Bcorp Inc
Established
July 26, 1858
Headquarters
401 Main St, La Crosse, WI 54601
Employees
57

Quick answers

State Bank Financial: common questions

Is State Bank Financial FDIC insured?

Yes. State Bank Financial is an FDIC-insured institution (FDIC certificate #10383). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is State Bank Financial'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 State Bank Financial ever failed?

There is no failure record for FDIC certificate #10383 in the FDIC failed bank list.

How many branches does State Bank Financial have?

5 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near La Crosse

InstitutionScoreAssetsCapitalProblem loansCompare
Bluff View BankBank Galesville, WI90 out of 100, Very strong$152.8M14.9%0.00%vs
Firefighters Credit UnionCredit union Onalaska, WI83 out of 100, Strong$133.0M16.1%0.57%vs
The First National Bank of BangorBank Bangor, WI83 out of 100, Strong$363.7M31.6%0.95%vs
Gundersen Credit UnionCredit union LA Crosse, WI82 out of 100, Strong$85.3M13.8%0.07%vs
Union State BankBank West Salem, WI82 out of 100, Strong$117.6M12.2%0.14%vs
Peoples State BankBank Prairie Du Chien, WI80 out of 100, Strong$993.0M11.5%0.21%vs