TellerScore

State Bank of Newburg is a state-chartered bank headquartered in Newburg, Wisconsin, in business for about 115 years. At the end of Q2 2026 it reported $328.1M in total assets and $260.1M in deposits, with 2 offices.

State Bank of Newburg has a TellerScore of 93 out of 100 (very strong) based on Q2 2026 data — higher than 98% of its 2,650 banks with $100 million – $1 billion. Among 154 banks headquartered in Wisconsin, it ranks 5th. Capital cushion contributes the most (100/100, 17.27%); funding & liquidity contributes the least (50/100, 108% loans-to-deposits, 17% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Tier 1 leverage ratio: 17.27%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.00%
Earnings100/100
Return on assets (annualized): 2.14%
Funding & liquidity50/100
Loans ÷ deposits and uninsured-deposit share: 108.2% · 17.0% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.00%

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 (90 → 93), mostly because the earnings component improved by 8 points.

TellerScore
889193Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202490
Q3 202488
Q4 202489
Q1 202588
Q2 202590
Q3 202590
Q4 202592
Q1 202693
Q2 202693
Tier 1 leverage ratio
5.00%11.25%17.50%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202417.50%
Q3 202417.14%
Q4 202416.65%
Q1 202516.63%
Q2 202516.88%
Q3 202516.58%
Q4 202516.19%
Q1 202616.62%
Q2 202617.27%
Noncurrent loans
0.00%0.11%0.22%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.10%
Q4 20240.13%
Q1 20250.22%
Q2 20250.05%
Q3 20250.22%
Q4 20250.00%
Q1 20260.00%
Q2 20260.00%
Return on assets
1.53%1.84%2.14%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.65%
Q3 20241.53%
Q4 20241.59%
Q1 20251.62%
Q2 20251.79%
Q3 20251.89%
Q4 20251.95%
Q1 20262.05%
Q2 20262.14%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202693$328.1M17.27%0.00%2.14%108.2%
Q1 202693$330.9M16.62%0.00%2.05%104.9%
Q4 202592$331.8M16.19%0.00%1.95%104.8%
Q3 202590$326.2M16.58%0.22%1.89%105.8%
Q2 202590$303.4M16.88%0.05%1.79%108.6%
Q1 202588$305.5M16.63%0.22%1.62%103.8%
Q4 202489$297.8M16.65%0.13%1.59%104.2%
Q3 202488$289.8M17.14%0.10%1.53%106.3%
Q2 202490$273.3M17.50%0.00%1.65%108.1%

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 ratio17.27%
93rd
Total risk-based capital0.00%
24th
Problem loans0.00%
94th
Net charge-offs0.00%
68th
Return on assets2.14%
90th
Net interest margin4.27%
69th
Efficiency ratio39.7%
96th
Loans to deposits108.2%
4th
Uninsured deposits17.0%
75th
Loan-loss reserves0.83%
13th
Texas ratio0.0%
95th

Similar-size banks in Wisconsin

InstitutionScoreAssetsCapitalProblem loansCompare
The Equitable Bank, S.S.B.Bank Wauwatosa, WI64 out of 100, Moderate$327.1M9.7%0.05%vs
Northern State BankBank Ashland, WI78 out of 100, Strong$330.8M9.9%0.22%vs
The First National Bank of River FallsBank River Falls, WI75 out of 100, Strong$325.3M10.1%0.38%vs
Clare Bank, National AssociationBank Platteville, WI72 out of 100, Strong$332.5M11.6%0.85%vs
Bank of AlmaBank Alma, WI83 out of 100, Strong$339.5M50.8%0.97%vs
Bay BankBank Green Bay, WI59 out of 100, Moderate$315.7M11.2%2.03%vs

Deposit insurance

Is my money safe at State Bank of Newburg?

Yes. State Bank of Newburg is an FDIC-insured institution (FDIC certificate #9529). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 17.0% of deposits ($44.2M) 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 17.27%, 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

2 locations

Branches

State Bank of Newburg lists 2 offices in 2 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, State Bank of Newburg reported 102 home-loan applications under HMDA (LEI 254900KSSD1QWXBEPB68): 86 originated ($31,880,000 total), 3 denied, and 8 withdrawn or closed by the applicant. Its denial rate on decided applications was 3.2%, 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 Newburg
Type
State-chartered bank
FDIC certificate #
9529
RSSD ID
228345
Primary regulator
FDIC
Holding company
Sbn Community Bcorp Inc
Established
January 1, 1911
Headquarters
300 Congress Dr Hwy 33, Newburg, WI 53060
Employees
30

Quick answers

State Bank of Newburg: common questions

Is State Bank of Newburg FDIC insured?

Yes. State Bank of Newburg is an FDIC-insured institution (FDIC certificate #9529). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is State Bank of Newburg's TellerScore?

93 out of 100 (Very 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 Newburg ever failed?

There is no failure record for FDIC certificate #9529 in the FDIC failed bank list.

How many branches does State Bank of Newburg have?

2 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Newburg

InstitutionScoreAssetsCapitalProblem loansCompare
Sheboygan Area Credit UnionCredit union Sheboygan, WI97 out of 100, Very strong$93.4M15.3%0.13%vs
National Exchange Bank and TrustBank Fond Du Lac, WI88 out of 100, Very strong$2.9B20.1%0.37%vs
North Shore BankBank Brookfield, WI84 out of 100, Strong$2.6B14.4%0.10%vs
Focus Credit UnionCredit union Menomonee Falls, WI83 out of 100, Strong$61.7M14.0%0.49%vs
Marathon BankBank Wausau, WI82 out of 100, Strong$261.1M15.3%0.03%vs
WaterStone Bank, SSBBank Wauwatosa, WI81 out of 100, Strong$2.3B15.4%0.36%vs