FDIC Cert #35237 · Middleton, Wisconsin · Est. 2000

John Deere Financial, f.s.b. - FDIC Bank Health Profile

A community-scale look at John Deere Financial, f.s.b.'s own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$3.4B
Total assets
A
Health grade · Excellent
3.87%
Return on assets
19.0%
Tier 1 capital

Data updated July 2026

The verdict

John Deere Financial, f.s.b. earns a PlainBankData health grade of A (100/100), with well-capitalized at 19.04% Tier 1, profitable at 3.87% ROA, efficient (23% cost ratio).

#376
largest of 4,313 FDIC banks by assets
91st
percentile by asset size, nationally
19.04%
Tier 1 ratio - above the 10% well-capitalized line
99th
percentile for profitability (ROA), nationally

The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.

FDIC Call Report plate

Cert 35237 · WI A · 100/100

GRADE-A · TOP-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-REGIONAL · BOOK-FULL

  • GRADE-A A (100/100)
  • TOP-DECILE #14/4307
  • PHOTO-FINISH Fidelity Personal Tr… · NH
  • TIER1-WELL 19.0% Tier 1
  • TEXAS-CLEAN 1.5% Texas
  • ROA-STRONG 3.87% ROA
  • SIZE-REGIONAL $1–10B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Wisconsin: Fidelity Personal Trust Company, FSB, NH (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around John Deere Financial, f.s.b.

Lowest and highest poles plus nearest scored peers outside Wisconsin, not a full FDIC corpus board reprint.

AB&T · GA · near100/100Fidelity Personal Tr… · NH ·…100/100John Deere Financial… · WI ·…100/100Morgan Stanley Bank,… · UT ·…100/100Petit Jean State Bank · AR ·…100/100The Settlers Bank · OH · near100/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around John Deere Financial, f.s.b. · July 2026

Call Report read for John Deere Financial, f.s.b. in a high-failure state

John Deere Financial, f.s.b. (FDIC Cert #35237) carries a PlainBankData health grade of A at 100/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #14 of 4,307. Tier 1 capital prints at 19.04%, clearing the 10% well-capitalized line. The Texas Ratio is 1.52%, inside the sub-50% band analysts treat as healthy. Return on assets is 3.87%. Balance-sheet scale is $3.4B, 376th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Fidelity Personal Trust Company, FSB (NH), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around John Deere Financial, f.s.b.

11 FAILURE resolutions in Wisconsin since 2000, heavy vs the state corpus

John Deere Financial, f.s.b. sits in one of the heavier post-2000 FAILURE states (11 resolutions; latest year 2017). The list below is state history from the Failed Bank List, not a claim about John Deere Financial, f.s.b.'s current Call Report.

  • GUARANTY BANK MILWAUKEE, WI 2017 → FIRST-CITIZENS BANK & TRUST COMPANY
  • NORTH MILWAUKEE STATE BANK MILWAUKEE, WI 2016 → FIRST-CITIZENS BANK & TRUST COMPANY
  • BANK OF WAUSAU WAUSAU, WI 2013 → NICOLET NATIONAL BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Wisconsin banks.

How John Deere Financial, f.s.b.'s 100/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/100100/100
John Deere Financial, f.s.b.'s composite health score
Tier 1 Capital Ratio (19.04%) 40/40
Return on Assets (ROA) (3.87%) 25/25
Texas Ratio (1.52%) 20/20
Efficiency Ratio (23.33%) 15/15

100 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$3.4B

Total balance-sheet footings

Total Deposits

$1.3B

Customer-funded liabilities

Net Loans

$3.4B

Outstanding loan book

Net Income

$154M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 5% 10% 15% 20% 25% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 17.64% 19.04% 20.44%
Basel III capital ratios - John Deere Financial, f.s.b.

Where John Deere Financial, f.s.b. ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. John Deere Financial, f.s.b.'s score of 100/100 falls in the highlighted band.

John Deere Financial, f.s.b.: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

100 Top 1% higher than all other reporting FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). Below this entry. 90–100: 815 FDIC-insured banks (19%). This entry sits in this band. John Deere Financial, f.s.b. 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

John Deere Financial, f.s.b.'s size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). John Deere Financial, f.s.b.'s $3.4B falls in the highlighted band.

Capital & credit buffers at John Deere Financial, f.s.b.

Tier 1 capital ratio
Well-capitalized 10%

19.04% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
19.04%
Texas Ratio
1.52%
Equity Capital
$822M

What these ratios mean →

Earnings posture at John Deere Financial, f.s.b.

Return on Assets (ROA)
99th percentile nationally
3.87%
Return on Equity (ROE)
19.34%
Efficiency Ratio
23.33%

What these mean →

Income & expense at John Deere Financial, f.s.b.

$436M
Interest Income
$76M
Non-Interest Income
$80M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. John Deere Financial, f.s.b. reports a Texas Ratio of 1.52% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

1.52% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View John Deere Financial, f.s.b. on FDIC BankFind →

Top banks in Wisconsin by total assets

Largest banks headquartered in Wisconsin
  1. 1
    Associated Bank $45.1B

    Green Bay, WI · Grade A

  2. 2
    Nicolet National Bank $9.2B

    Green Bay, WI · Grade A

  3. 3
    Johnson Bank $7.2B

    Racine, WI · Grade A

  4. 4
    Town Bank $4.5B

    Hartland, WI · Grade A

  5. 5
    Bank First $4.5B

    Manitowoc, WI · Grade A

Top 5 banks in Wisconsin ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($3.4B here), outside Wisconsin so the neighborhood is not state containment.

First Community Bank $3.4B · AR Manasquan Bank $3.4B · NJ First Farmers Bank & Trust Co. $3.4B · IN The Farmers & Merchants State Bank $3.4B · OH

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) John Deere Financial, f.s.b. (FDIC Cert #35237) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

John Deere Financial, f.s.b. Call Report profile · FDIC Failed Bank List · Wisconsin FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Wisconsin

All Wisconsin banks →
BankAssetsGradeROA
Associated Bank, National AssociationGreen Bay $45.1B A 1.10%
Nicolet National BankGreen Bay $9.2B A 1.66%
Johnson BankRacine $7.2B A 1.07%
Town Bank, National AssociationHartland $4.5B A 1.27%
Bank First, N.A.Manitowoc $4.5B A 1.64%
First Business BankMadison $4.1B B 1.36%
Lake Ridge BankMiddleton $3.3B B 0.98%
National Exchange Bank and TrustFond Du Lac $2.9B A 1.50%