State Bank of Chilton is a state-chartered bank headquartered in Chilton, Wisconsin, in business for about 135 years. At the end of Q2 2026 it reported $516.5M in total assets and $435.9M in deposits, with 5 offices.
Based on its Q2 2026 filing, State Bank of Chilton scores 80/100, which we describe as strong. That is higher than 77% of 2,650 banks with $100 million – $1 billion. Among 154 banks headquartered in Wisconsin, it ranks 46th. Its strongest component is earnings (100/100; 2.40%), and its lowest is funding & liquidity (49/100; 99% loans-to-deposits, 26% 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 fell 2 points (82 → 80), mostly because the loan quality component weakened by 9 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 72 |
| Q3 2024 | 74 |
| Q4 2024 | 79 |
| Q1 2025 | 80 |
| Q2 2025 | 82 |
| Q3 2025 | 84 |
| Q4 2025 | 83 |
| Q1 2026 | 80 |
| Q2 2026 | 80 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.40% |
| Q3 2024 | 11.31% |
| Q4 2024 | 11.23% |
| Q1 2025 | 11.80% |
| Q2 2025 | 12.21% |
| Q3 2025 | 12.51% |
| Q4 2025 | 12.50% |
| Q1 2026 | 12.68% |
| Q2 2026 | 12.75% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.03% |
| Q3 2024 | 0.89% |
| Q4 2024 | 0.29% |
| Q1 2025 | 0.38% |
| Q2 2025 | 0.29% |
| Q3 2025 | 0.18% |
| Q4 2025 | 0.27% |
| Q1 2026 | 0.56% |
| Q2 2026 | 0.58% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 2.43% |
| Q3 2024 | 2.41% |
| Q4 2024 | 2.23% |
| Q1 2025 | 2.61% |
| Q2 2025 | 2.57% |
| Q3 2025 | 2.72% |
| Q4 2025 | 2.59% |
| Q1 2026 | 2.50% |
| Q2 2026 | 2.40% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 80 | $516.5M | 12.75% | 0.58% | 2.40% | 98.8% |
| Q1 2026 | 80 | $512.5M | 12.68% | 0.56% | 2.50% | 96.4% |
| Q4 2025 | 83 | $505.7M | 12.50% | 0.27% | 2.59% | 93.2% |
| Q3 2025 | 84 | $493.5M | 12.51% | 0.18% | 2.72% | 92.9% |
| Q2 2025 | 82 | $485.1M | 12.21% | 0.29% | 2.57% | 93.6% |
| Q1 2025 | 80 | $475.4M | 11.80% | 0.38% | 2.61% | 95.9% |
| Q4 2024 | 79 | $476.0M | 11.23% | 0.29% | 2.23% | 94.2% |
| Q3 2024 | 74 | $471.5M | 11.31% | 0.89% | 2.41% | 93.1% |
| Q2 2024 | 72 | $468.5M | 11.40% | 1.03% | 2.43% | 91.0% |
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).
Similar-size banks in Wisconsin
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| State Bank FinancialBank La Crosse, WI | 73 out of 100, Strong | $512.1M | 9.9% | 0.11% | vs |
| Woodford State BankBank Monroe, WI | 66 out of 100, Moderate | $523.4M | 8.1% | 0.36% | vs |
| Coulee BankBank La Crosse, WI | 39 out of 100, Low | $524.4M | 9.1% | 2.50% | vs |
| First Citizens State BankBank Whitewater, WI | 90 out of 100, Very strong | $525.2M | 18.0% | 0.00% | vs |
| Bank of Lake MillsBank Lake Mills, WI | 74 out of 100, Strong | $533.8M | 11.2% | 0.69% | vs |
| Citizens State BankBank Hudson, WI | 66 out of 100, Moderate | $488.2M | 10.0% | 0.43% | vs |
Deposit insurance
Is my money safe at State Bank of Chilton?
Yes. State Bank of Chilton is an FDIC-insured institution (FDIC certificate #12331). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 25.7% of deposits ($111.8M) 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 12.75%, 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%).
5 locations
Branches
State Bank of Chilton lists 5 offices in 5 cities. Most locations:
- Brillion, WI (1)
- Brookfield, WI (1)
- Chilton, WI (1)
- Sherwood, WI (1)
- Stockbridge, WI (1)
HMDA 2025
Mortgage lending
In 2025, State Bank of Chilton reported 72 home-loan applications under HMDA (LEI TSQQR4KZYLBZ0MLQ5D71): 64 originated ($17,630,000 total), 2 denied, and 2 withdrawn or closed by the applicant. Its denial rate on decided applications was 2.9%, 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 of Chilton
- Type
- State-chartered bank
- FDIC certificate #
- 12331
- RSSD ID
- 120542
- Primary regulator
- FDIC
- Holding company
- Calumet Bcorp Inc
- Established
- April 19, 1891
- Headquarters
- 26 E Main St, Chilton, WI 53014
- Website
- www.statebankofchilton.com
- Employees
- 53
Quick answers
State Bank of Chilton: common questions
Is State Bank of Chilton FDIC insured?
Yes. State Bank of Chilton is an FDIC-insured institution (FDIC certificate #12331). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is State Bank of Chilton's TellerScore?
80 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 of Chilton ever failed?
There is no failure record for FDIC certificate #12331 in the FDIC failed bank list.
How many branches does State Bank of Chilton have?
5 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Chilton
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Sheboygan Area Credit UnionCredit union Sheboygan, WI | 97 out of 100, Very strong | $93.4M | 15.3% | 0.13% | vs |
| Thrivent Trust CompanyBank Appleton, WI | 93 out of 100, Very strong | $15.5M | 82.7% | 0.00% | vs |
| National Exchange Bank and TrustBank Fond Du Lac, WI | 88 out of 100, Very strong | $2.9B | 20.1% | 0.37% | vs |
| Fond Du Lac Credit UnionCredit union Fond du Lac, WI | 87 out of 100, Very strong | $84.9M | 13.6% | 0.35% | vs |
| Winnebago Community Credit UnionCredit union Oshkosh, WI | 85 out of 100, Very strong | $176.1M | 13.8% | 0.13% | vs |
| Community First Credit UnionCredit union Appleton, WI | 84 out of 100, Strong | $6.8B | 12.8% | 0.14% | vs |