Total Assets
$434M
Total balance-sheet footings
FDIC Cert #58780 · Brookfield, Wisconsin · Est. 2008
Spring Bank - FDIC Bank Health Profile
A community-scale look at Spring Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $434M
- Total assets
- B
- Health grade · Good
- 1.25%
- Return on assets
- 11.7%
- Tier 1 capital
Data updated July 2026
The verdict
Spring Bank earns a PlainBankData health grade of B (70/100), with well-capitalized at 11.73% Tier 1, profitable at 1.25% ROA, efficient (52% cost ratio).
- #1,975
- largest of 4,313 FDIC banks by assets
- 54th
- percentile by asset size, nationally
- 11.73%
- Tier 1 ratio - above the 10% well-capitalized line
- 61st
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How Spring Bank's 70/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Spring Bank's composite health score
Tier 1 Capital Ratio (11.73%) 28/40
Return on Assets (ROA) (1.25%) 20/25
Texas Ratio (20.79%) 10/20
Efficiency Ratio (51.89%) 12/15
70 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$321M
Customer-funded liabilities
Net Loans
$367M
Outstanding loan book
Net Income
$5M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Spring Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Spring Bank's score of 70/100 falls in the highlighted band.
Spring Bank'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). Spring Bank's $434M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
11.73% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
11.73%
Texas Ratio
20.79%
Equity Capital
$49M
Profitability metrics
Return on Assets (ROA)
61st percentile nationally
1.25%
Return on Equity (ROE)
11.06%
Efficiency Ratio
51.89%
What the numbers say about Spring Bank
Spring Bank is an FDIC-insured institution (Certificate #58780) headquartered in Brookfield, Wisconsin, established in 2008. It holds $434M in total assets - 1,975th of 4,313 FDIC-insured banks, $321M in customer deposits, and $367M in net loans. Its capital position: a Tier 1 ratio of 11.73%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 20.79% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of B (70 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Spring Bank sits 73rd of 155 banks headquartered in Wisconsin by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$26M
Interest Income
$522K
Non-Interest Income
$7M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Spring Bank reports a Texas Ratio of 20.79% - within the generally healthy range below the 50% level analysts watch.
Texas Ratio
Caution 50%
20.79% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Wisconsin by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Spring Bank (FDIC Cert #58780) - 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.
Other banks in Wisconsin
All Wisconsin banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
| John Deere Financial, f.s.b.Middleton | $3.4B | A | 3.87% |
| Lake Ridge BankMiddleton | $3.3B | B | 0.98% |
Frequently asked questions
What is Spring Bank's health grade?▼
Spring Bank receives a health grade of B (70/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Spring Bank?▼
Spring Bank holds $434M in total assets and $321M in deposits, ranking 1,975th of 4,313 FDIC-insured banks by asset size. It is headquartered in Brookfield, Wisconsin.
Is my money safe at Spring Bank?▼
Yes, deposits at Spring Bank (Certificate #58780) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Spring Bank's Tier 1 Capital Ratio?▼
Spring Bank has a Tier 1 Capital Ratio of 11.73%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Spring Bank?▼
Spring Bank has a Texas Ratio of 20.79%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Spring Bank?▼
Spring Bank has an Efficiency Ratio of 51.89%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Spring Bank's profile as a depositor or analyst.
- Spring Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Spring Bank against other Wisconsin banks before moving funds. Wisconsin banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.