Total Assets
$506M
Total balance-sheet footings
FDIC Cert #12331 · Chilton, Wisconsin · Est. 1891
State Bank of Chilton - FDIC Bank Health Profile
A community-scale look at State Bank of Chilton's own numbers, pulled straight from its quarterly FDIC Call Report.
- $506M
- Total assets
- A
- Health grade · Excellent
- 2.59%
- Return on assets
- 12.5%
- Tier 1 capital
Data updated July 2026
The verdict
State Bank of Chilton earns a PlainBankData health grade of A (95/100), with well-capitalized at 12.50% Tier 1, profitable at 2.59% ROA, efficient (41% cost ratio).
- #1,774
- largest of 4,313 FDIC banks by assets
- 59th
- percentile by asset size, nationally
- 12.50%
- Tier 1 ratio - above the 10% well-capitalized line
- 97th
- 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.
How State Bank of Chilton's 95/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
State Bank of Chilton's composite health score
Tier 1 Capital Ratio (12.50%) 35/40
Return on Assets (ROA) (2.59%) 25/25
Texas Ratio (1.56%) 20/20
Efficiency Ratio (41.30%) 15/15
95 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$423M
Customer-funded liabilities
Net Loans
$394M
Outstanding loan book
Net Income
$13M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where State Bank of Chilton ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. State Bank of Chilton's score of 95/100 falls in the highlighted band.
State Bank of Chilton'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). State Bank of Chilton's $506M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
12.50% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
12.50%
Texas Ratio
1.56%
Equity Capital
$62M
Profitability metrics
Return on Assets (ROA)
97th percentile nationally
2.59%
Return on Equity (ROE)
21.71%
Efficiency Ratio
41.30%
What the numbers say about State Bank of Chilton
State Bank of Chilton is an FDIC-insured institution (Certificate #12331) headquartered in Chilton, Wisconsin, established in 1891. It holds $506M in total assets - 1,774th of 4,313 FDIC-insured banks, $423M in customer deposits, and $394M in net loans. Capital-wise, the Tier 1 ratio sits at 12.50%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 1.56%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of A (95 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
State Bank of Chilton sits 66th of 155 banks headquartered in Wisconsin by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$29M
Interest Income
$1M
Non-Interest Income
$9M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. State Bank of Chilton reports a Texas Ratio of 1.56% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
1.56% - 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) State Bank of Chilton (FDIC Cert #12331) - 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 State Bank of Chilton's health grade?▼
State Bank of Chilton receives a health grade of A (95/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is State Bank of Chilton?▼
State Bank of Chilton holds $506M in total assets and $423M in deposits, ranking 1,774th of 4,313 FDIC-insured banks by asset size. It is headquartered in Chilton, Wisconsin.
Is my money safe at State Bank of Chilton?▼
Yes, deposits at State Bank of Chilton (Certificate #12331) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is State Bank of Chilton's Tier 1 Capital Ratio?▼
State Bank of Chilton has a Tier 1 Capital Ratio of 12.50%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for State Bank of Chilton?▼
State Bank of Chilton has a Texas Ratio of 1.56%. 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 State Bank of Chilton?▼
State Bank of Chilton has an Efficiency Ratio of 41.30%. 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 State Bank of Chilton's profile as a depositor or analyst.
- State Bank of Chilton's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare State Bank of Chilton 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.