# STATE BANK OF CHILTON
CHILTON, WI · FDIC certificate 12331 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $516.5M | |
| Deposits | $435.9M | |
| Loans and leases | $438.3M | |
| Total equity | $65.6M | |
| Loans / deposits | 98.79% (p87 of band) | 82.04% |
| Liquid assets / assets | 14.04% (p14 of band) | |
| Uninsured deposits / deposits | 25.65% (p49 of band) | 25.97% |
| Brokered deposits | 0.03% | |
| Wholesale funding | 2.62% (p45 of band) | |
| FHLB advances / assets | 2.59% | |
| Tier 1 leverage | 12.75% (p77 of band) | 10.81% |
| Unrealized securities loss / equity | -0.35% (p92 of band) | -8.10% |
| AOCI / equity | -0.53% (p40 of band) | |
| ROA (annualized) | 2.40% (p94 of band) | 1.28% |
| Net interest margin | 4.39% (p77 of band) | 3.91% |
| Efficiency ratio | 40.87% (p6 of band) | |
| Noncurrent loans | 0.58% (p57 of band) | 0.43% |
| Net charge-offs (annualized) | -0.01% (p6 of band) | |
| Reserve coverage of noncurrent | 301.35% | |
| Real estate % of loans | 89% | |
| Construction % of loans | 34.24% (p42 of band) | |
| Auto loans | $1.5M (0.34% of loans; DQ 0.60%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 7.5% | |
| Employees | 53 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | brokered >10%, wholesale funding >15%, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 1 |  | brokered >10%, wholesale funding >15%, charge-offs p90 |
| 2011-09 | 1 |  |  |
| 2011-12 | 0 |  | reserve under noncurrent |
| 2012-03 | 1 | reserve under noncurrent |  |
| 2012-06 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving | reserve under noncurrent |
| 2012-09 | 2 |  | uninsured deposits leaving |
| 2012-12 | 1 | reserve under noncurrent | deposits shrinking, assets shrinking |
| 2013-03 | 2 | deposits shrinking |  |
| 2013-06 | 1 |  | deposits shrinking |
| 2013-09 | 2 | loans exceed deposits |  |
| 2013-12 | 1 |  | loans exceed deposits |
| 2014-03 | 2 | charge-offs p90 |  |
| 2014-06 | 2 | loans exceed deposits | charge-offs p90 |
| 2014-09 | 1 |  | loans exceed deposits |
| 2014-12 | 3 | loans exceed deposits, capital falling |  |
| 2015-03 | 3 |  |  |
| 2015-06 | 2 |  | capital falling |
| 2015-09 | 3 | charge-offs p90 |  |
| 2015-12 | 3 |  |  |
| 2016-03 | 2 |  | charge-offs p90 |
| 2016-06 | 3 | capital falling, noncurrent p90 | loans exceed deposits |
| 2016-09 | 2 |  | noncurrent p90 |
| 2016-12 | 1 |  | capital falling |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 2 | charge-offs p90 |  |
| 2018-03 | 1 |  | charge-offs p90 |
| 2018-06 | 2 | capital falling |  |
| 2018-09 | 1 |  | reserve under noncurrent |
| 2018-12 | 2 | reserve under noncurrent |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 0 |  | capital falling, reserve under noncurrent |
| 2019-09 | 1 | reserve under noncurrent |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | capital falling |  |
| 2020-06 | 3 | noncurrent p90 |  |
| 2020-09 | 0 |  | reserve under noncurrent, capital falling, noncurrent p90 |
| 2020-12 | 0 |  |  |
| 2021-03 | 1 | capital falling |  |
| 2021-06 | 0 |  | capital falling |
| 2021-09 | 0 |  |  |
| 2021-12 | 1 | capital falling |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 0 |  | capital falling |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 1 | uninsured deposits leaving |  |
| 2024-12 | 1 | capital falling | uninsured deposits leaving |
| 2025-03 | 0 |  | capital falling |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2019-10-24 [State Bank of Chilton to open Brookfield branch - biztimes.com](https://news.google.com/rss/articles/CBMieEFVX3lxTE1xc1BwOWhUOWZ5ZE41R0ctT3VsNDhST0xEY25tNFpKMjc3VzhFbF9QVXVvbmhYc0pnYm1iUjBwX1FSVDBiWmg2Q3ZnSFVnZG5uT1ZfNjJFTnBlcTc4cjY4Ukc2NE5nLWQ1M1R3TmZJSEE1RDRZVXN0aw?oc=5) · biztimes.com
- 2016-06-06 [State Bank of Chilton completes merger - The Post-Crescent](https://news.google.com/rss/articles/CBMingFBVV95cUxNYjFySHhhd1hSVkdSZ2NsZUdtNXhtOGVLaVBuTWVxaHk3RklYNWFhSUd4QmpwNENBbVZWVWU0Y1VoUjNqcHRVZWVhSmRqQnA5cGZ3UXg4THlKaVBIU251TGlVck5WNndxdkNjdTdXVDZaaW1sTFBGVVIzNUEwbFotZ2Nlak1zRDJENGVVVGpqMnZSMEpDYWtVQUE2SUxRdw?oc=5) · The Post-Crescent
- 2018-05-15 [Delmer Holst - Nov. 8, 1913 - Nov. 4, 2005 - Chilton, WI - Wieting Family Funeral Home](https://news.google.com/rss/articles/CBMia0FVX3lxTFBzcFEtakxDU0V3UV9GZVJOUjlaUlpQOHE4NWt6V1ZUZjJTMGZvVEtmcDlIWlpaOE5vQm42R0tvOHJCeXRDT0s0Q1lYcGdRVDM2VHUyTDNSWGpxMXZ5NnNwcWo4NVB1VVByampB?oc=5) · Wieting Family Funeral Home
- 2004-09-03 [State Bank of Chilton to open branch in Milwaukee - biztimes.com](https://news.google.com/rss/articles/CBMie0FVX3lxTFBxSXBSeUx3UndIM3VNeEFFczhGbFVTdW5Vb1VSUWlOd245ZGZUUURBdmxLdjFlUXNJTkNXZ0FmN1hadHg2Z3dpU1R3QXRUVEhORFFLR2lIOWxndlJTdkU5Qy01Q0VCeTdPNUc3WHNPak9EeWFJTWRHWG9Mcw?oc=5) · biztimes.com
- 2026-06-26 [Chilton High School breaks ground for new wrestling room - Tri-County News](https://news.google.com/rss/articles/CBMi2gFBVV95cUxPeXVpV1lXZnZJc3Q5OEVSaEI3aG9scnhrZlZDTldkcXhXWDc1cmZQc0Nqc2tFYlhONHRLa284b0x5MExjUVhhbXdzM1hYN1BZYWxyTnp4XzNJUGw4WkpwektSZ0wySHpicUtZVHM5M3U4Y1ptMWJBNGVKWkVPWndLRlNKRzhQbmRfNkRwdDNob01CNk1yWWVOODNsX1NRQUFCT2VUS1otbFB5Z2tFbExlQmFZTGVvRWJmQTJGeWdOUUwtdlZjX1VzRDBRb1Y4QUliZXBrV2M5U2M5dw?oc=5) · Tri-County News
- 2020-01-06 [Donna Lee Mortimer - The Post-Crescent](https://news.google.com/rss/articles/CBMiXkFVX3lxTFBnYUwzUHJfNVNlLVhaNzVkNWxJWl9UaE9JdHRGR21FNVJpdS1wbk9kajNrR1hiU2I3WHh6R2FqdDI4MmZCMDI5d3JvQjFKN0FFMkRzM3dvZGttUHVKbXc?oc=5) · The Post-Crescent
- 2025-02-04 [Discover Northeast Wisconsin’s 18 Counties - Livability.com](https://news.google.com/rss/articles/CBMingFBVV95cUxPWjI4VzFRMnFpRVEwNFpzelpKcTNjOHk5ZG5tZ3U0Ul9CS21zcjVWMHAxelZ1UHRxZHpObDktUXh6TC10TG9NUlNidmtfQV82NFZ0UnFjY1BkSWFIbGxVaGlDNXF6SUxiQUNjQV9qWkhEbl8xaU4xOG5FQWRGbmF2c1pIWS1BUUJ0c2tucjMzdnJJZXItRUN5NkJoQS1jdw?oc=5) · Livability.com
- 2024-06-17 [Bankruptcy filing details Company Brewing's finances before it closed - Milwaukee Journal Sentinel](https://news.google.com/rss/articles/CBMi1AFBVV95cUxOZjRQOWpab1hWTlk2R3pXY3o0ZVN6N1MxZU5SbGtNNklaYUZ0UkRzZGpfUUxHZDFoSGZyTHl6YjV1R2VfYWFFeTNFNWpvMDhHMVljMDVDb0FUc2Z1MnRlalA1NlBiRExjak1zQXNVQmRlaVNENTV1M3dlZTJja3RwaDZVNl9NTHlXT29MUjhsb2pabFFwT3RfeWhESG9EbGZNbkV4M0JhWENsYWhLQXhTbzVHUkNjZ0JfMktaOXNseGhUeU54Y2JScnM5SWNtSmhSVFJPaw?oc=5) · Milwaukee Journal Sentinel

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=12331 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/43.json (key "12331", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide