TellerScore

Headquartered in Superior, Wisconsin, Superior Savings Bank is a si with $98.8M in total assets and $81.4M in deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1924.

Based on its Q2 2026 filing, Superior Savings Bank scores 74/100, which we describe as strong. That is higher than 51% of 546 banks with under $100 million in assets. Among 154 banks headquartered in Wisconsin, it ranks 74th. Its strongest component is capital cushion (100/100; 16.30%), and its lowest is earnings (54/100; 0.85%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Tier 1 leverage ratio: 16.30%
Loan quality62/100
Noncurrent loans ÷ total loans: 1.15%
Earnings54/100
Return on assets (annualized): 0.85%
Funding & liquidity56/100
Loans ÷ deposits and uninsured-deposit share: 100.1% · 18.7% uninsured
Problem-loan coverage90/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 5.14%

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 2 points (72 → 74), mostly because the earnings component improved by 10 points.

TellerScore
697274Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202474
Q3 202471
Q4 202469
Q1 202569
Q2 202572
Q3 202571
Q4 202570
Q1 202674
Q2 202674
Tier 1 leverage ratio
5.00%11.55%18.09%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTier 1 leverage ratio
Q2 202418.09%
Q3 202416.97%
Q4 202417.20%
Q1 202517.90%
Q2 202517.85%
Q3 202517.44%
Q4 202516.20%
Q1 202617.02%
Q2 202616.30%
Noncurrent loans
1.05%1.25%1.44%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNoncurrent loans
Q2 20241.07%
Q3 20241.24%
Q4 20241.44%
Q1 20251.25%
Q2 20251.05%
Q3 20251.21%
Q4 20251.35%
Q1 20261.07%
Q2 20261.15%
Return on assets
0.48%0.72%0.97%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.72%
Q3 20240.71%
Q4 20240.74%
Q1 20250.48%
Q2 20250.61%
Q3 20250.55%
Q4 20250.64%
Q1 20260.97%
Q2 20260.85%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202674$98.8M16.30%1.15%0.85%100.1%
Q1 202674$93.9M17.02%1.07%0.97%104.9%
Q4 202570$93.8M16.20%1.35%0.64%102.9%
Q3 202571$90.9M17.44%1.21%0.55%100.4%
Q2 202572$84.7M17.85%1.05%0.61%108.8%
Q1 202569$85.8M17.90%1.25%0.48%110.0%
Q4 202469$87.3M17.20%1.44%0.74%106.1%
Q3 202471$86.0M16.97%1.24%0.71%102.2%
Q2 202474$86.0M18.09%1.07%0.72%97.7%

546 peers · Under $100 million in assets

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 ratio16.30%
76th
Total risk-based capital0.00%
27th
Problem loans1.15%
32nd
Net charge-offs0.00%
58th
Return on assets0.85%
43rd
Net interest margin3.96%
54th
Efficiency ratio71.9%
48th
Loans to deposits100.1%
8th
Uninsured deposits18.7%
38th
Loan-loss reserves2.16%
86th
Texas ratio5.1%
33rd

Similar-size banks in Wisconsin

InstitutionScoreAssetsCapitalProblem loansCompare
Community First BankBank Rosholt, WI75 out of 100, Strong$97.6M11.0%0.00%vs
Ladysmith Federal Savings and Loan AssociationBank Ladysmith, WI45 out of 100, Below average$93.2M9.2%2.03%vs
Independence State BankBank Independence, WI75 out of 100, Strong$84.2M10.4%0.00%vs
Mayville Savings BankBank Mayville, WI86 out of 100, Very strong$84.2M13.4%0.32%vs
Hustisford State BankBank Hustisford, WI84 out of 100, Strong$80.3M15.2%0.22%vs
Bank of OntarioBank Ontario, WI51 out of 100, Below average$79.0M13.9%8.53%vs

Deposit insurance

Is my money safe at Superior Savings Bank?

Yes. Superior Savings Bank is an FDIC-insured institution (FDIC certificate #28790). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 18.7% of deposits ($15.3M) are above the $250,000 FDIC insurance limit, above the peer median of 16%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 16.30%, 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

Superior Savings Bank lists 1 office in 1 city. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Superior Savings Bank reported 94 home-loan applications under HMDA (LEI 549300TSV5GUFPY3IT90): 86 originated ($14,360,000 total), 4 denied, and 3 withdrawn or closed by the applicant. Its denial rate on decided applications was 4.4%, 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
Superior Savings Bank
Former names
Superior Savings and Loan Association
Type
SI
FDIC certificate #
28790
RSSD ID
575375
Primary regulator
FDIC
Established
January 1, 1924
Headquarters
1130 Tower Ave, Superior, WI 54880
Employees
14

Quick answers

Superior Savings Bank: common questions

Is Superior Savings Bank FDIC insured?

Yes. Superior Savings Bank is an FDIC-insured institution (FDIC certificate #28790). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Superior Savings Bank's TellerScore?

74 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 Superior Savings Bank ever failed?

There is no failure record for FDIC certificate #28790 in the FDIC failed bank list.

How many branches does Superior Savings Bank have?

1 office as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Superior

InstitutionScoreAssetsCapitalProblem loansCompare
Duluth Police Department Employees Credit UnionCredit union Duluth, MN91 out of 100, Very strong$7.8M22.8%0.41%vs
Indianhead Credit UnionCredit union Spooner, WI86 out of 100, Very strong$101.2M15.0%0.78%vs
Centricity Credit UnionCredit union Hermantown, MN85 out of 100, Very strong$340.5M14.0%0.79%vs
Superior Municipal Employees Credit UnionCredit union Superior, WI79 out of 100, Strong$3.0M16.5%0.00%vs
North Shore Federal Credit UnionCredit union Silver Bay, MN74 out of 100, Strong$284.8M12.8%0.33%vs
Chippewa Valley BankBank Hayward, WI74 out of 100, Strong$735.8M8.7%0.22%vs