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Oostburg State Bank
Oostburg, WI · FDIC Certificate #10380 · Chartered 03/0
Total assets
$440.18M
Total deposits
$388.37M
Total equity
$47.66M
Net loans
$316.97M
Branches (offices)
4
Net income (YTD)
$3.01M
Rank: #1,944 of 4,213 U.S. banks by assets · #73 of 153 in Wisconsin. Assets changed 12.7% and deposits 13.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.39% |
| Return on equity | 13.11% |
| Net interest margin (YTD) | 4.03% |
| Equity to assets | 10.83% |
| Tier 1 leverage ratio | 11.64% |
| Uninsured deposits (share of deposits) | 21.3% |
| Noncurrent loans (share of loans) | 0.13% |
| Net charge-offs (share of loans) | 0.13% |
| Loans to deposits | 81.6% |
| Real estate loans (share of loans) | 81.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $256.88M | 81.0% | |
| Commercial & industrial | $50.99M | 16.1% | |
| Consumer / individual | $2.57M | 0.8% | |
| Construction & development | $21.14M | 6.7% | |
| Agricultural | $164.00K | 0.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $340.81M | $305.73M | $1.88M | $33.18M |
| Jun 2023 | $335.36M | $295.19M | $1.79M | $35.09M |
| Jun 2024 | $359.27M | $316.75M | $1.88M | $38.31M |
| Jun 2025 | $390.44M | $343.82M | $2.15M | $42.00M |
| Jun 2026 | $440.18M | $388.37M | $3.01M | $47.66M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Wisconsin | $388.37M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $388.37M.
Similar-sized banks
Spring Bank ($440.73M) · Morgantown Bank & Trust Company, Incorporated ($439.66M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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