Total Assets
$434M
Total balance-sheet footings
2026 data FDIC sourced Public-data reference.
Oostburg State Bank — FDIC Bank Health Profile
Oostburg, Wisconsin · Est. 1908. Free, sourced from the FDIC BankFind Suite — refreshed each quarter and cross-checked against the FDIC Call Report.
State chartered State member bank FDIC Cert #10380 Chicago Region
C
Health grade
Fair
Score: 63/100
Basel III capital ratios — Oostburg State Bank
Total Deposits
$383M
Customer-funded liabilities
Net Loans
$299M
Outstanding loan book
Net Income
$5M
Bottom-line earnings
Safety Metrics
Tier 1 capital ratio
Well-capitalized 10%
12.99% of risk-weighted assets — above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
Core capital ÷ risk-weighted assets. Well-capitalized: ≥10%
12.99%
Texas Ratio
Non-performing loans ÷ equity. Danger zone: >100%
—
Equity Capital
Tangible book value as a capital buffer
$45M
Profitability Metrics
Return on Assets (ROA)
Net income ÷ assets. Healthy: ≥1%
1.12%
Return on Equity (ROE)
Net income ÷ equity. Industry avg: ~10%
10.74%
Efficiency Ratio
Operating costs ÷ revenue. Efficient: <60%
66.95%
Income & Expense Breakdown
$21M
Interest Income
$2M
Non-Interest Income
$11M
Non-Interest Expense
FDIC Deposit Insurance
Oostburg State Bank is FDIC-insured (Certificate #10380). Your deposits are protected up to $250,000 per depositor, per account category regardless of this bank's health grade.
What the Numbers Say About Oostburg State Bank
Oostburg State Bank is an FDIC-insured institution (Certificate #10380) headquartered in Oostburg, Wisconsin, established in 1908. The bank currently holds $434M in total assets and $383M in customer deposits, with $299M deployed as loans. It operates as a State chartered (State member bank) within the FDIC Chicago region. These figures come directly from the bank's quarterly FDIC Call Report and reflect the balance sheet as of the latest regulatory filing.
On safety metrics, Oostburg State Bank reports a Tier 1 Capital Ratio of 12.99% — above the 10% federal threshold for "well-capitalized" status and a Texas Ratio of —. Equity capital stands at $45M, serving as the tangible buffer against loan losses. On profitability, the bank posted a Return on Assets of 1.12% and a Return on Equity of 10.74%, with an Efficiency Ratio of 66.95% — above the 60% benchmark, meaning a larger share of revenue is consumed by operating costs. The combined picture yields a PlainBankData health grade of C (63/100), a composite score that blends all four dimensions.
Not financial advice. This page summarizes public FDIC Call Report data for informational purposes only. Health grades are our interpretation of regulatory filings and are not official FDIC ratings, endorsements, or predictions. Regardless of grade, every dollar on deposit at Oostburg State Bank is protected by FDIC insurance up to $250,000 per depositor, per ownership category — even if the bank were to fail. For decisions about where to hold deposits, consult a qualified financial professional and verify the latest figures directly at the FDIC's BankFind Suite.
Top 5 banks in Wisconsin by total assets
Source: FDIC BankFind Suite — Call Report (FFIEC 031/041) + CRA performance data Oostburg State Bank (FDIC Cert #10380) — Tier 1 capital ratio, total assets, deposits, CRA rating · 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.
Other Banks in Wisconsin
All Wisconsin banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Associated Bank, National Association Green Bay | $45.1B | C | 1.10% |
| Nicolet National Bank Green Bay | $9.2B | B | 1.66% |
| Johnson Bank Racine | $7.2B | B | 1.07% |
| Town Bank, National Association Hartland | $4.5B | C | 1.27% |
| Bank First, N.A. Manitowoc | $4.5B | B | 1.64% |
| First Business Bank Madison | $4.1B | C | 1.36% |
| John Deere Financial, f.s.b. Middleton | $3.4B | D | 3.87% |
| Lake Ridge Bank Middleton | $3.3B | C | 0.98% |
Frequently Asked Questions
What is Oostburg State Bank's health grade? ▼
Oostburg State Bank receives a health grade of C (63/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is Oostburg State Bank? ▼
Oostburg State Bank holds $434M in total assets and $383M in deposits. It is headquartered in Oostburg, Wisconsin.
Is my money safe at Oostburg State Bank? ▼
Yes. Oostburg State Bank is FDIC-insured (Certificate #10380). Your deposits are protected up to $250,000 per depositor, per account category, regardless of the bank's health grade. If a bank fails, the FDIC typically makes insured deposits available within one business day.
What is Oostburg State Bank's Tier 1 Capital Ratio? ▼
Oostburg State Bank has a Tier 1 Capital Ratio of 12.99%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
How efficient is Oostburg State Bank? ▼
Oostburg State Bank has an Efficiency Ratio of 66.95%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
Bank Safety Guides
Related Data Sources
Data from the FDIC BankFind Suite API. Financial data as of Q4 2025.
Related
Data sourced from official U.S. government datasets. See our methodology for details. Retrieved and formatted by PlainBankData Editorial
Disclaimer: This information is provided for informational purposes only and does not constitute professional advice. Data is sourced from the FDIC BankFind Suite. Consult a qualified professional before making decisions based on this data.
Read our methodology — how this data is sourced, computed, and verified.